ˇ ´ VESTNIK
Volume 105 Number 10
S P J S T Benevolence
H E R A L D
★ Humanity
ISSN —07458800
★ Brotherhood
March 8, 2017
Future Vestnik Reporter
2017 SPJST District spring Meetings - Save the Date! District One Sunday, April 2 at Lodge 17, New Tabor
District Two Sunday, March 19 at Lodge 177, Academy Hosted by Lodges 87, Temple; 200, Bruceville-Eddy; 246, Morgan’s Point
Ten-month-old Amelia Sefcik of Lodge 47, Seaton looks at the Vestnik. Amelia is the daughter of Marvin and Arlene Sefcik and granddaughter of Darlene (Pechal) and Dwayne Sefcik. —Submitted by Elaine Zavodny
District Three Sunday, April 23 at Lodge 6, Cottonwood District Four Saturday, April 1 at Lodge 49, Rowena
District Five Sunday, March 19 at Lodge 88, Houston Hosted by Lodge 142, Houston
Special Pull-out Section inside this week’ s Vestnik!
District Six Sunday, April 2 at Lodge 40, El Campo-Hillje District Seven Sunday, March 19 at Lodge 79, Corpus Christi
2017 Life Insurance And Annuity Extra Out with the Old In with the New
Renovations have begun at SPJST Education and Nature Center! “Over the next 10 days, seven poles will be replaced,” ENC Executive Director Jeb Lapeyrolerie says. “And, we’ll be adding protection to all of the poles to shield them from those pesky woodpeckers.” Jeb adds that several of the elements will also be updated including the giant swing, cargo net, and vertical obstacle course. “The entire ropes course will be up and running for the summer!”
LEFT PHOTO: Old poles are being taken down. RIGHT PHOTO: New poles are delivered.
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Important Dates ...................................3 Interest Rates ......................................3 District News........................................3 State 42 Tournament ...........................3 Lodge Section......................................6 Insurance Extra ...................PULL-OUT
Inside This Week’s Vestnik
Youth Section ....................................10 In Memoriam ......................................12 Czech Culture ....................................13 Advertisements .................................13 Lodge Calendar .................................14 PerkSpot Member Benefit.................16
Lodge 4 Hallettsville continues tradition
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Lodge 32 Victoria celebrates members’ birthdays
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Lodge 160 San Angelo shares February meeting scene
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Wednesday, March 8, 2017
Editor’s Note
ˇ ´ VESTNIK
Life Insurance and Annuity Extra
SPJST HERALD
SPJST HOME OFFICE PO Box 100 • Temple, Texas 76503 800-727-7578 • 254-773-1575 Fax: 254-774-7447 www.spjst.org VESTNIK EDITOR/ DIRECTOR OF COMMUNICATION MELANIE ZAVODNY, FIC Office: 254-773-1575 • Mobile: 254-534-0807 VESTNIK Fax: 254-773-8087
email: vestnik@spjst.org
SUPREME LODGE PRESIDENT BRIAN VANICEK, FIC Office: 254-773-1575 Mobile: 254-534-2902 email: vanicek@spjst.com
VICE PRESIDENT HIRAM DIXON, FICF, LUTCF, CFFM Office: 254-773-1575 Mobile: 254-231-7722 email: hiramd@spjst.com
CHIEF FINANCIAL OFFICER LEONARD D. MIKESKA, FIC Office: 254-773-1575 Mobile: 254-721-4739 • Home: 254-778-3720 email: leonardm@spjst.com
DIRECTOR OF ACCOUNTING/ INFORMATION TECHNOLOGY SERVICES ROY VAJDAK Office: 254-773-1575 email: royv@spjst.com
DISTRICT ONE DIRECTOR/CHAIRMAN DONNIE VICTORICK, FIC, CFFM P.O. Box 85, Snook, Texas 77878-0085 Home: 979-272-3265 • Mobile: 979-224-3125 email: dv.aggie71@gmail.com DISTRICT TWO DIRECTOR JESSE POSPISIL 4710 FM 1331, Taylor, Texas 76574-2164 Home: 512-365-1110 • Mobile: 512-826-7371 email: jlpospisil@yahoo.com
DISTRICT THREE DIRECTOR JOHN ENGELKE 6475 Gholson Road, Waco, Texas 76705-5330 254-799-4247 email: john.engelke@hotmail.com DISTRICT FOUR DIRECTOR BILLY ROLLWITZ, FIC, CFFM P.O. Box 195, Rowena, Texas 76875-0195 Home: 325-442-3141 • Mobile: 325-277-5362 Office: 325-442-3038 • email: brollwitz@gmail.com
DISTRICT FIVE DIRECTOR BRADLEY STAVINOHA, FIC 10522 Will Lehman Road, Needville, Texas 77461 Mobile: 979-739-2386 • Office: 979-793-7411 email: spjst@earthlink.net DISTRICT SIX DIRECTOR KAREN KASPAR, FIC, CFFM 8550 N. State Highway 71 El Campo, Texas 77437-9819 Home: 979-543-2532 • Mobile: 979-332-1616 email: k-kaspar@hotmail.com
DISTRICT SEVEN DIRECTOR BOB J. BAYER, FIC 4188 FM 1303, Floresville, Texas 78114-6092 Home: 830-393-2872 FRATERNAL FIELD MANAGERS DISTRICTS ONE/TWO/THREE Philip (Phil) McBee, FICF, CFFM Mobile: 325-647-1949 • Fax: 325-784-7448 email: philipmcbee@aol.com DISTRICTS FOUR/SEVEN Bobby Davis, FICF, CFFM Mobile: 325-450-3748 • Fax: 325-657-2003 email: bgdsr2428@aol.com DISTRICTS FIVE/SIX Delisle Doherty Mobile: 832-232-2049 email: delisled@spjst.com
STATE FRATERNAL ACTIVITIES COORDINATOR FRANK HORAK Office: 254-773-1575 • Mobile: 254-534-0681 email: frankh@spjst.com STATE YOUTH DIRECTOR LYNETTE TALASEK Office: 254-773-1575 • Mobile: 254-931-0639 email: lynettet@spjst.com
DISTRICT YOUTH COUNSELORS District One - Sharon Russell, 1292 CR 441, Dime Box, Texas 77853 • 979-884-0807 sharon_russell28@yahoo.com District Two - Patsy Koslovsky, 764 S. St. Joseph Road, Burlington, Texas 76519-3108 - 254-985-2396 patsyk2011@yahoo.com District Three - Kay Weeks, 4203 Treehaven Ct, Arlington, Texas 76016 • 817-896-5277 - kgweeks@att.net District Four - Pam Lehmann, PO Box 637, Tahoka, Texas 79373-0637 - 806-561-5105 - plehmann@poka.com District Five - Barbara Linney-Gonzales - 6043 Pineway Blvd., Houston, Texas 77023-6510 - 713-649-6138 district5dyc@aol.com District Six - Lisa Bubela, 1405 Divide Street, El Campo, Texas 77437 - 979-543-7120 lisa_bubela@yahoo.com District Seven - Lian Pruski, 418 West Hunt Street Pleasanton, Texas 78064 - 830-480-2737 lianpruski@gmail.com BY-LAW COMMITTEE District One - Richard Ford, 2392 CR 424, Dime Box, Texas 77853 - 979-884-1451 - dimebox5@aol.com District Two - Ronnie Rieger, 350 Rieger Road, Coupland, Texas 78615 - 512-365-2000 - 512-848-2416/cell - RonnieR1056@yahoo.com District Three - Kay Lynn Kovar, 3303 West Lake Bardwell Drive, Ennis, Texas 75119 - 972-875-6827 District Four - Beverly J. Teplicek, 817 FM 381, Rowena, Texas 76875 - 325-442-4841 - bjtep@verizon.net District Five - Dorothy Pflughaupt, 1243 Clovis Road, Houston, Texas 77008 713-859-8976 dotpflugh@yahoo.com District Six - Joe Siptak, 2312 Norvell, Bay City, Texas 77414 - 979-244-4415; 979-479-0056 cell District Seven - Oscar Korus, 2565 Bruce Road, Poteet, Texas 78065 - 830-391-4169 - oscarkorus@gmail.com FINANCE COMMITTEE District One - Thomas Cannon, P.O. Box 372, Caldwell, Texas 77836 - 979-567-4264 - jtcannon60@hotmail.com District Two - Edwin Pechal, 10660 State Highway 53, Temple, Texas 76501 - 254-985-2282 Edwin_Pechal@yahoo.com District Three - Michael Galler, 526 Karen, Waco, Texas 76706 - 254-662-4934 - mgaller@brazoselectric.com District Four - Herman D. Weise, 6006 FM Highway 765, San Angelo, Texas 76905 - 325-651-8550 - hdweise@zipnet.us District Five - Marceil Malak, 7444 Meiners Road, Ledbetter, Texas 78946-5118 - 979-249-5940 marceil@cvctx.com District Six - Glenn Kaminsky, 902 River Oaks Court, East Bernard, Texas 77435 - 979-335-4461 - gkamink@live.com District Seven - James House, 146 Deer Run, Pleasanton, Texas 78064 - 830-570-7750 - james.houseconstruction146@gmail.com
INSURANCE COMMITTEE District One - Susan Skrabanek, 2657 FM 166, Caldwell, Texas 77836 - 979-272-3440 District Two - Patsy Koslovsky, 764 S. St. Joseph Road, Burlington, Texas 76519-3108 - 254-985-2396 patsyk2011@yahoo.com District Three - Robert Sill, 400 Westview Terrace, Arlington, Texas 76013 District Four - Leonard Jansa, 6617 Plainview Drive, San Angelo, Texas 76905 - 325-234-8117 District Five - Mark Childres, 14011 Laskey Manor Court, Cypress, Texas 77429 - 832-496-6646 mark@childresinsurancegroup.com District Six - Elizabeth Holub, 4624 Freyburg Hall Road, Schulenburg, Texas 78956 - 979-561-8640 District Seven - Wendy Pruski, 3895 CR 430, Pleasanton, Texas 78064 - 210-535-4916
PUBLICATION COMMITTEE District One - Floyd Kostelka, 1914 CR 403, Dime Box, Texas 77853 - 979-540-8531 District Two - Tammy Cannon, 305 Bluehaw Drive, Georgetown, Texas 78628-6367 - 512-948-5339 - tcannon4715@yahoo.com District Three - Lynda Novak, 7153 Cornelia Ln, Dallas, Texas 75214 - 972-948-4456 District Four - Sharon Hohmann, 222 Crestwood Drive, San Angelo, Texas 76903 - 325-651-5884 District Five - Vonda Smesny, 2607 Wolcik Road, Crosby, Texas 77532 - 832-694-8762 District Six - Helen Kelner, 911 Avenue K, Rosenberg, Texas 77471 - 281-342-2624 District Seven - Jarolyn Popp, 447 Shady Hollow, New Braunfels, Texas 78132 - 830-964-5135 HUMAN RESOURCES DEBBIE KLINKOVSKY 254-773-1575 • email: debbiek@spjst.com
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lease note that we have combined the March 8 and 15 Vestnik issues. This week’s issue features a special pull-out center section — 2017 Life Insurance and Annuity Extra. Please save this and refer back to it throughout the year for all of your life insurance and annuity product information. Here is the March Vestnik schedule: March 8 and 15 Vestnik combined issue
March 22 Vestnik Deadline is March 15 at 5 p.m.
March 29 Vestnik Deadline is March 22 at 5 p.m.
Get Well Soon, Carol! We send get well wishes to Mortgage Loan Specialist Carol Wolf who is recovering from knee surgery. Best wishes for a speedy recovery, Carol!
Vote for Cortni! Lodge 24, Cyclone member Cortni Ashcraft is a senior at Academy High School, and she is competing in a video contest hoping to win a scholarship and prize money for Academy FFA. Cortni’s video addresses the question “What does agriculture mean to me?” If you would like to view Cortni’s video and vote for her, the link is: http://woobox.com/7uzmrc/gallery/9 VYJm1ST5TY
The deadline to vote is March 20, and winners will be chosen based on number of votes. Voting is open to the public, one vote per user per day. Individuals with the top five vote-getting videos will receive $1,000 scholarships. Their 4H or FFA chapter receives a $500 donation. The individual with the top video receives an additional $1,500 scholarship ($2,500 total). Their 4H or FFA chapter receives an additional $1,000 donation ($1,500 total). Cortni is the daughter of Janet Ashcraft and the granddaughter of Robert and Barbara Macek, all of Lodge 24, Cyclone. Best of luck to Cortni!
SPJST Car Show at TABA Home & Garden Show SPJST hosted a successful car show at the Temple Area Builders Association (TABA) Home & Garden Show February 24 to 26 at the Bell County Expo Center. We enjoyed promoting SPJST to those attending the home and garden show and sharing the fraternal message. Stay tuned for a summary and photos from the event. Upcoming Vestniks will also include the following:
• Save the date - Saturday, May 6 at Lodge 47, Seaton - SPJST Car Show and Czech Heritage Celebration • February 2017 “Live the Adventure” Membership Program progress report • January and February death claims reports • Lodge 24, Cyclone hosts Red Ravens’ dance • CEFT annual meeting report —SPJST—
VĚSTNÍK, (USPS 658480) is published weekly except the third week of September and the fourth week of December by VĚSTNÍK, P.O. Box 100, Temple, TX 76503-0100. Subscription rates are $25 per year for non-members. Members’fees are paid as part of the insurance fee collected by SPJST, 520 North Main, Temple, TX 76501. Second-class postage paid at Temple, TX and additional mailing offices. The exchange of opinions, ideas and information is a vital aspect of our fraternal Society and enables us to make more informed decisions. The views expressed by writers in the Vestnik do not necessarily represent the views of the Editor or SPJST management. Please sign all correspondence intended for publication. POSTMASTER: Send address changes to VĚSTNÍK c/o Financial Secretary Roy Vajdak, P.O. Box 100, Temple, TX 76503-0100.
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Family Fun 4 and Important Dates
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March 12 March 19
March 19
March 19
Mar. 24-26 Mar. 31 April 1 April 1
April 2
April 2
April 2 April 8 April 9
April 14 April 16 Apr. 18-20 April 22 April 23 April 26 April 29
Daylight Saving Time Begins District Two Spring Meeting Lodge 177, Academy (2) District Five Spring Meeting Lodge 88, Houston (5) District Seven Spring Meeting Lodge 79, Corpus Christi (7) Youth Leaders Workshop SPJST Education and Nature Center, Ledbetter (1) SPJST 100 Pennies Scholarship Fund Drive Ends SPJST State 42 Domino Tournament SPJST Home Office District Four Spring Meeting Lodge 49, Rowena (4) District One Spring Meeting Lodge 17, New Tabor (1) District Six Spring Meeting (2) Lodge 40, El Campo-Hillje Lodge 6, Cottonwood Easter Party/Meeting (3) Lodge 88, Houston Easter Party (5) District Two Youth Beseda Dancers’ Barbecue Fundraiser (2) Good Friday • SPJST Home Office Closed Happy Easter! SPJST Supreme Lodge Meeting, Temple District Two Youth Leaders Workshop, Temple (2) District Three Spring Meeting Lodge 25, Ennis (3) Administrative Professionals Day Lodge 88, Houston Stribrnanka Dechovka Dinner/Dance (5)
SPJST INTEREST RATES . . . 02/01/2017 - 04/30/2017 SPJST Farm/ Commercial Property Information Call the SPJST Home Office 800-727-7578 for information.
75% Farm Loans for 5 to 30 Years
Commercial Property Loans for 1 to 10 Years and 11 to 15 Years
Universal Life Universal Life 3 (plans 1203-1222 with a guaranteed rate of 2.50%) Credited Rate: 3.00%
Whole Life/ Universal Life 3 (plans 1223-1232 with a guaranteed rate of 2.50%) Credited Rate: 3.50%
Annuities Annuity 5 (plans 8032-8039 with a 1.50% guaranteed rate) Credited Rate: 3.00%
Annuity New 5 Year (plans 8040-8041 with a 1.50% guaranteed rate) Credited Rate: 3.00%
State 42 Domino Tournament ner, one will be assigned to you, if availState 42 Domino able. Registration fee is $10 per player Tourney April 1 which includes snacks and lunch. Prizes
The 2017 SPJST State 42 Domino Tournament is Saturday, April 1, 2017, at SPJST Home Office, located at 520 North Main Street in Temple. Check-in is from 8 to 8:45 a.m. with play beginning at 9 a.m. The tournament is open to the public, ages 16 and above. The tournament will be a two-person team format. If you do not have a part-
will be awarded. Please register by Monday, March 27 by calling 800-727-7578 or 254-7731575 or sending an email to tammym@spjst.com. For more information, contact State Fraternal Activities Coordinator Frank Horak at 254-534-0681. —SPJST—
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Wednesday, March 8, 2017
District News
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District Two Spring Meeting Sunday, March 19 at Lodge 177, Academy
To All Lodge Officers, Sales Agents and Members, The District Two Spring Meeting will be held on March 19, 2017, and hosted by Lodges 87, Temple; 200, BrucevilleEddy; and 246, Morgan’s Point. I want to thank these lodges for joining together to be our hosts. I also want to thank Lodge 177, Academy members for stepping up to let us use their lodge hall as the spring meeting location. Registration will begin at 1 p.m., and the meeting will start at 2 p.m. We are planning a very informative meeting.
Desserts Needed for Meal Our host lodges will serve a meal catered by Edwin Pechal of Lodge 47, Seaton. The meal will consist of pork loin, loaded potatoes, green beans, bread, and tea. Thanks, Edwin. This will be a very good meal for only $3 per plate. We are asking members to please bring a sweet dish to go along with the meal. Decorated Egg Contest We plan to have guessing games, door prizes, and also the egg contest so start decorating your egg now and bring it to the meeting. Who knows - you may win first place!
Lodge, Sales Awards As you all know, we will be honoring our top lodges in the district and top sales agents so please come help support these fine people.
Cash Door Prize Drawings Additionally, there will be three cash door prize drawings. All adults in attendance – age 16 and above – will be able to enter their names in a drawing for a $100 cash prize. Sales agents in attendance will also be entered in a separate drawing for $100. Youth in attendance – all under the age of 16 – will be able to enter their names in a drawing for $25.
Youth Activities Silent Auction, Rock Contest, Cereal Food Drive District Youth Counselor Patsy Koslovsky will be holding a decorated rock contest for the youth. She is also having a silent auction so bring something to help raise money for the youth. The youth are having an “SPJST Super Cereal” food drive to fight hunger. We are asking if you will please bring a box of cereal with you to the spring meeting; let’s help these great kids make a difference in some child’s hunger. Remember, this is the time for elections of officers. If you or anyone you know would like to run for any office, please let us know. We hope to see all of you on March 19 at Lodge 177, Academy. Fraternally, Ruth Hanusch District Two Vice President/FAC —SPJST—
District Three Spring Meeting Saturday, April 23 at Lodge 6, Cottonwood
Attention, District Three Adults! Start making plans for the District Three Spring Meeting which will be held Sunday, April 23, 2017, at Lodge 6, Cottonwood. The adult contest will be the same as the youth—decorated rocks! And, the rules will be the same as the youth which is the rock must fit in the palm of a hand. Decorate the rock however you like. Use your imagination!
Rocks will be judged on creative ability; skill and design; and appearance and neatness. I can’t wait to see your creations! Good luck! Fraternally, Vicki Sims District Three Fraternal Activities Coordinator —SPJST—
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Wednesday, March 8, 2017
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District Four Spring Meeting Saturday, April 1 at Lodge 49, Rowena
Dear District Four Members, The time is coming for the District Four Spring Meeting. Lodge 49, Rowena will be hosting the meeting on Saturday, April 1, 2017, at the SPJST Hall in Rowena. Registration is at 10 a.m. The meeting will take place at 11 a.m. A meal will be served around 12 noon. The awards presentations will be held after the meal. The youth will participate in a decorated rock contest. This is also the time for election of of-
ficers for the district. If anyone would like to run for an office, please let me or District Four President Laura Pospichal know. Also, please RSVP to Laura at 325-365-6485 or Becky at 325-656-0029 so we can get a head count for the meal. We hope to have a large crowd. Your support will be appreciated. Fraternally, Becky Wood District Four Secretary —SPJST—
District Five Spring Meeting Sunday, March 19 at Lodge 88, Houston
District Five Lodges and Members: The spring meeting is Sunday, March 19, 2017. Lodge 142, Houston will be hosting the meeting at the Lodge 88 building, located at 15th and Beall Streets in Houston. We will serve Keith Kieschnick’s great barbecue chicken with all the trimmings. This will be a combination of our regular spring meeting and recognition of
our local lodge fraternalists of the year and 50- and 75-year members. Come one, come all for good food . . . good fellowship . . . and just plain fun! See the agenda below for times and more information. Fraternally yours, Mary Ann Kieschnick District Five Secretary —SPJST—
District Five Spring Meeting Agenda
Sunday, March 19, 2017 • Lodge 88, Houston 1435 Beall Street at West 15th • Houston, Texas Hosted by Lodge 142, Houston Registration—10:30 a.m. to 12 noon
Youth - Decorated Rock Contest Registration—10:30 to 11:30 a.m. See SPJST Youth Club Handbook for contest information. Lunch—Barbecue Chicken with all the Trimmings. Serving: 11 a.m. to 1 p.m. Goodwill donation to go to the SPJST Foundation.
1 p.m. Call Meeting to Order ................................................................Ashley Victorick Pledge of Allegiance ...............................................................District Five Youth Welcome by Lodges 142 and 88 ......................................Lodge Representatives Roll Call of Officers...........................................................Mary Ann Kieschnick Roll Call of Lodges............................................................Mary Ann Kieschnick Recognition of Special Guests...........................................................Janice Jahns Reading of Minutes............................................................Mary Ann Kieschnick Treasurer’s Report......................................................................Lorenda Baldwin FAC Report .....................................................................................Patricia Bruce Memorial Service............................................................................Patricia Bruce Youth excused for District Youth Club Election of Officers and Meeting .................................................Youth Room Supreme Lodge Report.......................................Supreme Lodge Representative District Director’s Report ........................................................Bradley Stavinoha Special Presentations 2016 Lodge Fraternalists of the Year Lodge Lifetime Achievement Awards Sales Agents’ Incentive Awards Fraternal Field Manager’s Report................................................Delisle Doherty District Youth Counselor’s Report ..............................Barbara Linney-Gonzales Standing Committee Reports By-Law Committee...........................................................Dorothy Pflughaupt Finance Committee ...................................................................Marceil Malak Insurance Committee.................................................................Mark Childres Publication Committee..............................................................Vonda Smesny Old Business New Business Audit Committee Report Recess for 501(c)(3) Directors’ Reports SPJST Education and Nature Center....................................Keith Kieschnick Czech Heritage Museum............................................................Patricia Bruce S.P.J.S.T. Senior Living Centers................................................Lonnie Lostak Election: S.P.J.S.T. Senior Living Centers’ Director Reconvene Meeting....................................................................Ashley Victorick Election of District Officers for 2017-2018 Announcement of District Youth Club Officers ............District Youth President Announcement of Youth Decorated Rock Contest Winners.......................................................Barbara Linney-Gonzales Presentation of Information on District Five Fall Fun Day September (date tba), 2017 at Lodge 232, Houston Midtown Selection of Place/Time/Dates for 2018 Spring Meeting and Fall Fun Day General Announcements Installation of District and Youth Officers ..............................Bradley Stavinoha Adjournment —SPJST—
Wednesday, March 8, 2017
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District Six Spring Meeting Agenda
Sunday, April 2, 2017 • Lodge 40, El Campo-Hillje 30420 Loop 524 US Hwy 59 • Louise, Texas 77455
Tentative Agenda 10 to 11 a.m. - District Six Youth Development Workshop 10:30 a.m. - Audit and Nominating Committees Meet Nominating Committee - Elaine Berkovsky (63) and Jeanette Kaminsky (28) Audit Committee - Debbie Krpec (30) and Janie Bucek (151) 11 a.m. - Registration 12 noon - Catered Meal Served All lodges are asked to please bring two desserts and a door prize.
Special Reports and Elections will begin immediately following the meal. Czech Heritage Museum ..................................................................Philip Vahalik Education and Nature Center ...............................................................Lisa Bubela Senior Living Centers (Rest Homes) ..............................................Charles Bucek Cemetery.............................................................................................David Bucek
Business Meeting Call to Order.................................................................................President Joe Siptak Posting of Colors....................................................Lodge 40, El Campo-Hillje Youth Welcome .................................................................Lodge 40 President Cathy Garcia Response/Introduction of Guests............Second Vice President Helen Zabransky Roll Call of Officers, Lodges and Standing Committees ......................................Secretary Wanda Dorotik Treasurer’s Report...........................................................Treasurer Marjorie Treumer Youth Report and Awards................................................................DYC Lisa Bubela Standing Committee and Executive Reports By-Law....................................................................................................Joe Siptak Publication .........................................................................................Helen Kelner Finance .........................................................................................Glenn Kaminsky Insurance........................................................................................Elizabeth Holub Supreme Lodge Report.........................Chief Financial Officer Leonard Mikeska Fraternal Field Manager.................................................................Delisle Doherty District Six Director Report...............................................................Karen Kaspar Old Business New Business Announcements Report of Nominating Committee and Election of Officers Report of Audit Committee Memorial Service..................................................First Vice President Annie Vahalik Recognition of 50- and 75-Year Members, Age 96 Honorees, and Fraternalists of the Year District Six Lodge and Sales Agent Awards Fall District Meeting Information Installation of Officers Adjournment —SPJST—
District Seven Spring Meeting Sunday, March 19 at Lodge 79, Corpus Christi
SPJST District Seven Spring Meeting, hosted by Lodge 79, Corpus Christi will be Sunday, March 19, 2017, at the lodge hall, located at 5502 Kostoryz Road in Corpus Christi. Registration begins at 10 a.m. Refreshments will be furnished by Lodge 79. The lunch served at 12:15 p.m. will consist of barbecue brisket and sausage with all the trimmings for $3. Members are asked to report the number of plates needed to your lodge secretary by Friday, March 10. The meeting convenes at 10:30 a.m. Members are asked to bring items for the
silent auction. Money raised will stay in the district fund. The district awards recognition will be held after lunch with three cash prize drawings. The district is still collecting eyeglasses and cases, hearing aids, and aluminum can tabs. These may be brought to the district meeting. Your attendance and support will be appreciated. Bring a friend, too! Fraternally Wendy Pruski District Seven Secretary —SPJST—
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District Seven Spring Meeting Agenda Sunday, March 19, 2017 Hosted by Lodge 79, Corpus Christi Sokol Hall
5502 Kostoryz Road • Corpus Christi, Texas 10 a.m. — Registration Refreshments furnished by Lodge 79, Corpus Christi Decorated Rock Contest (youth)
10:30 a.m. General Discussion Education and Nature Center ....................................Director Donnie Howard Czech Heritage Museum .......................................Director Roxanne Bertrand Senior Living Centers (Rest Homes)...........................Director Jerry Sijansky
Meeting Convenes...........................................District President Donnie Howard Presentation of Colors/Pledge of Allegiance ..................District Youth Members Welcome.........................................................Lodge 79 President Mark Rebecek Introduction of Guests..................................................................Donnie Howard Announce Committees.................................................................Donnie Howard Roll Call of District Officers/Lodges.................District Secretary Wendy Pruski Memorial Ceremony........................................................................Jerry Sijansky Minutes ............................................................................................Wendy Pruski Correspondence ...............................................................................Wendy Pruski Financial Report .............................................District Treasurer Sandra Hoggard Recognition of 50-Year, 75-Year, Age 96, Age 100 Honorees.......................................District FAC Glen Pruski District Youth Counselor .....................................................................Lian Pruski Standing Committee Reports Publication ....................................................................................Jarolyn Popp Finance..........................................................................................James House Insurance .....................................................................................Wendy Pruski By-Law ..........................................................................................Oscar Korus 12:15 p.m. — Meal - $3 Prayer............................................. Supreme Lodge Vice President Hiram Dixon
1 p.m. Supreme Lodge Officer............................................Vice President Hiram Dixon District Director.....................................................................................Bob Bayer Fraternal Field Manager....................................................................Bobby Davis District Awards Recognition ...................................Hiram Dixon and Bob Bayer District Fraternalist Nominees Recognized........................................Glen Pruski Lifetime Achiever Honorees Recognized ..........................................Glen Pruski Youth Contest Winners .......................................................................Lian Pruski Audit Committee Report Old Business Donation of $200 to Corpus Christi for End of Summer Getaway New Business Prize Drawing at End of Summer Getaway Nominating Committee Report/Election of Officers Installation of Officers Site of Fall Fun Day Split-the-Pot winners Silent Auction results Door Prizes Adjourn Fraternally, Wendy Pruski District Seven Secretary —SPJST—
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Wednesday, March 8, 2017
SPJST Lodge Section The deadline for all Vestnik items is 5 p.m. the Wednesday before the publication date. Send your news and photos directly to: Questions? Call 800-727-7578
Lodge 4, Hallettsville invites members to March 12 meeting
Dear Members, SPJST Lodge 4, Hallettsville met Sunday, February 12, 2017, at Hallettsville Chamber of Commerce meeting room at 3 p.m. President Joe Siptak opened the meeting with the Pledge of Allegiance. Welcomed to the meeting was State FAC Frank Horak. He explained to us about going to quarterly meetings. Our lodge has been approved, and our lodge plans to keep active in the community, give donations, and keep members posted on the dates of meetings. We will meet quarterly or as needed. Dates voted on were Sunday, March 12; Sunday, July 9; Sunday, August 20 - Family Day; Sunday, November 12, and Sunday, December 10. Also present was District Six Director Karen Kaspar who assisted in making our plans and answered questions. She also updated us on upcoming activities in District Six.
SPJST Vestnik Editor Melanie Zavodny P.O. Box 100 Temple, Texas 76503 Fax: 254-773-8087
Email: vestnik@spjst.org
Secretary-Treasurer Helen Zabransky then read the minutes to the last meetings, gave the financial report, and read correspondence from the Supreme Lodge. FAC Annie Vahalik gave her report, which included a thank you note from the SPJST Foundation. She also reported participating in the State 42 Tournament and having a great time, and she gave the dates of future tournaments. Annie also handed out chocolate candy bars remembering the late FK Bucek. She recognized his granddaughter Mary Jonietz and her husband Al, who were present. The lodge voted to contribute $100 to the SPJST 100 Pennies Scholarship Fund. It was decided to participate in the SPJST Super Cereal Food Drive sponsored by the youth department. Members will bring boxes of cereal to the March 12 meeting. A picture will be taken, and the cereal will be delivered to Hallettsville Manna Food Pantry. Door prizes were won by Jennifer Hessler, Helen Zabransky, Evelyn Holy, Annie Vahalik, Lillie Balusek, Mary
Jonietz, Aileen Steffek, Vicky Zak, and Patsy Zabransky. Everyone then enjoyed a delicious lunch followed by bingo led by FAC Annie which was a lot of fun.
Next Meeting—March 12 The next meeting will be Sunday, March 12 at the Chamber meeting room at 3 p.m. Members are reminded to bring boxes of cereal. Door prizes will be given, and lunch will be served as usual. Fraternally, Patsy Zabransky, Reporter —SPJST—
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Lodge 24, Cyclone seeks members for March 13 meeting
Lodge 24, Cyclone discussed an idea of having a door prize at the February meeting. An idea of offering a $100 door prize did not get any traction. That being the case, this writer will put up a $100 bill in a drawing at the Monday, March 13 meeting; anyone who was not on the list of attendees at the February 13 meeting is eligible. So - come on out, Lodge 24 members - you could be the lucky winner at the March meeting! For the Lodge, Bobby Hoelscher, Reporter —SPJST—
Lodge 6, Cottonwood appreciation dinner this Sunday Lodge 30, Taiton SPJST Lodge 6, Cottonwood will sets May 7 have an appreciation dinner this Sunday, appreciation banquet March 12, 2017, at 12:30 p.m. All who helped prepare food and in any other way for the annual picnic and those who helped with preparing food and working at Westfest are invited to this appreciation dinner. We hope to see you there so we can recognize and thank you for your help and dedication to Lodge 6 for these events. Fraternally, Milton and Irene Peterson —SPJST—
Dear Vestnik Readers, Lodge 30, Taiton held its regular monthly meeting on Sunday, February 5, 2017, at El Campo Retirement Center. President Yvonne Marcaurele called the meeting to order. Members present recited the Pledge of Allegiance led by Debbie Sczech, and a moment of silence was observed for any sick or departed members. Secretary Marjorie Treumer called the roll of officers and members. She then read the January meeting minutes. Treasurer Lisa Bubela gave her report on the financial standing of our lodge. She had no outstanding bills at this time. FAC Patsy Baker informed members of upcoming events around the state. District Six Spring Meeting is hosted by
Lodge 4, Hallettsville Shares February Meeting Scenes
LEFT PHOTO: Lodge 4, Hallettsville keeps a fun tradition going that started many years ago by F.K. (Papa) Bucek. Papa’s birthday was in February, and he would bring Hershey bars to the meeting. Lodge 4 FAC Annie Vahalik, standing in back, is pictured with Mr. Bucek’s granddaughter and Lodge 4 member Mary Jonietz and her husband Al. CENTER PHOTO: Enjoying a game of bingo after svacina are, left to right, Jennifer Hessler, Lillian Rabel, Evelyn Holy, Susan Siptak, Gayenell Chudej, Frank
Horak, Lillie Balusek, Aline Steffek, Vicky Zak, Karen Kaspar, and Annie Vahalik. RIGHT PHOTO: State FAC Frank Horak, far right, and District Six Director Karen Kaspar, far left, are pictured with Lodge 4 President Joe Siptak and Vice President/FAC Annie Vahalik at Lodge 4’s February meeting. Sister Karen and Brother Frank presented guidelines for meeting quarterly and shared suggestions for staying active in the community. —Submitted by Annie Vahalik, Vice President/FAC
VĚSTNÍK
Lodge 40, El Campo-Hillje on Sunday, April 2. Watch the Vestnik for details. Secretary Treumer then shared the names of new members, terminated/deceased, and transfer requests. She also informed members of submitting four obituaries to be published in the Vestnik in the past month. Youth Leader Lisa Bubela gave the report on the comings and goings of our youth program. She informed the members that she attended the District Youth Counselors’ (DYC) meeting recently, and she is excited about the upcoming youth year. District Six Director Karen Kaspar then shared her recent activities. She attended the recent board meeting in Temple. She also reported that she and Yvonne Marcaurele had attended the recent District Six Cemetery Committee meeting. She then informed the members that she would be making a donation from her director’s discretionary fund to El Campo Retirement Center.
Old Business District Six Spring Meeting will be in Hillje, hosted by Lodge 40, El CampoHillje, on Sunday, April 2. Watch the Vestnik for details coming soon. March 12 - we will participate in the annual St. John’s Altar Society Chicken Dinner. Each member is asked to bring a cake for the cake walk.
New Business We will host our appreciation banquet on Sunday, May 7 at 12 noon. Lisa will make inquiries for a menu. By-laws were then audited, and changes were voted on. Happy birthday was wished to Debbie Krpec. We wish her many more to come. Debbie Sczech was then introduced to give the members information on El Campo Retirement Center. She thanked the members for holding the meeting at their location and bringing the residents Valentine’s Day cards.
Next Meeting—March 12 The next meeting will be Sunday, March 12 at Taiton Community Center. The youth will meet at 1:30 p.m. The meeting was adjourned by President Yvonne Marcaurele. Fraternally yours, Marjorie Treumer, Reporter —SPJST—
Lodge 32, Victoria to discuss, plan for future
Linda Mozisek is doing a great job of being our secretary and treasurer – thank you so much, Linda! Franklin Elles has taken over as president – thanks for stepping up, Franklin. At our February meeting, we had lengthy discussions about our building and also going to quarterly meetings. We have a lot to think about and discuss further. We celebrated January, February, and March birthdays with a cookie from Cookie Bouquet. The birthday members were Kay and Al Haisler and Lois and Franklin Elles. We wish all of you many more! Next Meeting—March 8 Our next meeting will be Wednesday, March 8 at 6:30 p.m. We hope to see several of you there. Fraternally, Kathy Ahlstrom FAC/Reporter —SPJST—
Lodge 35, Elk reports on February meeting
On Wednesday, February 15, 2017, Vice President Fred Kubitza called the SPJST Lodge 35, Elk and Elk Hall, Inc. meetings to order at 7:13 p.m. The Pledge of Allegiance was recited by officers, members, and guests. A moment
Wednesday, March 8, 2017
O O O Presenting 2017 Officers O O O SPJST Lodge 4, Hallettsville
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The 2017 officers of Lodge 4, Hallettsville are, front, left to right, Secretary/Treasurer Helen Zabransky and President Joe Siptak. BACK: Vice President/FAC Annie Vahalik, VP/FAC and Reporter Patsy Zabransky.
of silence was observed for deceased member Donnie Mladenka. On the sick list was Treasurer Barbara Pavelka. We wish her a quick recovery after her surgery. Secretary Carla Pavelka gave her January reports, and they were approved as read. Treasurer Barbara Pavelka gave her January reports, too, and they were approved as read. Congratulations to our 75-year members who joined our lodge in 1942— Patrick Henry Farek and Kenneth A. Holub! Congratulations to our 50-year members who joined our lodge in 1967— Billy Charles Kubitza, Raymond E. Kadlacek, James Cary Mann, Melaine Ann Milner, and Tami Lynn Pechacek! Floor chairman Gene Pavelka gave his report on our dances and rentals. He has been giving some great turn-ins. Keep up the good work, Gene! Bar chairman Randy Pavelka has been having some great nights, too. Thank you, Randy.
Lodge 32, Victoria Members Celebrate January, February, March Birthdays
Celebrating January, February, and March birthdays are, left to right, Kay Haisler, Al Haisler, Lois Elles, and Franklin Elles. The “cake” was a yummy millionaire cookie baked by Annie Vahalik of Lodge 4, Hallettsville and owner of Cookie Bouquet. Thanks, Annie! —Submitted by Kathy Ahlstrom, Reporter
Thank you to Danny and Freddie Kubitza for spreading some new gravel in the parking lot. It looks really great. Members got siding to replace some that had blown off and did the repairs. Thank you for your hard work in keeping our hall looking great. Gene Pavelka made a motion to have a steak dinner for the workers on Friday February 24. Walter Kubitza seconded the motion, and it carried. We had our steaks already, and they were just the best. Thanks to those who cooked and brought side dishes. We have a great bunch, and I am glad to be a part of it all. We had 10 members and one guest present. The meeting was adjourned at 7:42 p.m. Next Meeting—March 15 The next meeting will be Wednesday, March 15 after hall clean-up, due to spring break for the kids and teachers. I hope everyone enjoys their time off and a little vacation. Fraternally yours, Janie Brewer Reporter —SPJST—
Lodge 51, Ellinger meets March 17
Lodge 51, Ellinger will meet Friday, March 17, 2017, at 6:30 p.m. at Ellinger Fire Station. Please join us for a meal and meeting. Sausage will be provided, and members are asked to bring a side dish or dessert. We look forward to seeing you on March 17! Fraternally, Burdine Divin FAC —SPJST—
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Wednesday, March 8, 2017
Lodge 66, Waco remembers Gladys Yates, Johnnie Krizan, Bessie Petr
The meeting of SPJST Lodge 66, Waco was called to order by President John Engelke on Monday, February 20, 2017, at 6 p.m. at St. Paul’s Church with all officers present. There were 11 members present. Members recited the Pledge of Allegiance and motto. Members stood for a moment of silence for deceased members Henry Odis Veselka and Edward Gerik, Jr. Secretary Sister Dana McAdams read the minutes of the January 23 meeting, and they were approved as read. Sister Dana McAdams read correspondence from SPJST Director of Accounting/Information Technology Services Roy Vajdak concerning Lodge 66 receiving its incentive premium refund from the Supreme Lodge. Sister Diana Engelke received a thank you note from Roy Karr of Manna Works for the $100 donation made to them. Sister Dorothy Veselka of the Entertainment Committee reported that for the March 20 meeting, pizza and salad will be served. Sister Dorothy Veselka of the Cheer and Condolence Committee reported she sent a get well card to Dana McAdams. She also sent sympathy cards to Barbara Veselka on the death of her husband Henry; to Fred and Irene Veselka on the death of his brother Henry; to the family of Edward J. Gerik on the death of Edward; and to the family of Edward Troyvich, Jr. on the death of his twin sister Evelyn. FAC Sister Diana Engelke received a letter from State FAC Frank Horak. She reminded members of the District Three Spring Meeting on April 23 at Lodge 6, Cottonwood, and the SPJST Car Show and Czech Heritage Celebration on May 6 at Lodge 47, Seaton. Sister Diana Engelke, Bookkeeper, gave the bookkeeping report Sister Diana Engelke read a resolution of sympathy for Henry Odis Veselka. May he rest in peace. Lodge 66 is making a $750 donation to the scholarship fund broken down in three - $250 is being made to the Gladys Yates Fund; $250 is being made to the Johnnie Krizan Fund; and $250 is being made to the 100 Pennies Scholarship Fund. A donation for February in the amount of $100 is being made to the Bessie Petr Scholarship Fund.
VĚSTNÍK
Lodge 66, Waco celebrates February birthdays
February birthday celebrants are Jane Galler and Mary Hessel. Door prize winner was Dorothy Veselka; 100 percent winner was Dorothy Veselka. Next Meeting—March 20 The next meeting of Lodge 66 is scheduled for Monday, March 20 at St. Paul’s Church, 6 p.m. The meeting adjourned at 7:05 p.m. Fraternally, Dorothy Veselka, Reporter —SPJST—
Lodge 80, Holland reports on February meeting
SPJST Lodge 80, Holland meeting was called to order by President Rita Spinn on Saturday, February 4, 2017, at 4 p.m. The board of directors met prior to the general meeting. Membership stood for the Pledge of Allegiance and a moment of silence for departed members. A donation of $25 will be given to the Czech National Cemetery Fund in memory of Lynn Maddux. Officer absent was Secretary Linda Hill. Director absent due to illness was Helen Pajestka. Joe Liles read the minutes of the January meeting. Motion was made by Coleman Benner, seconded by Carol Wolf, to accept the minutes as corrected: Youth club members had visited GattiLand for their Christmas party. Birthdays were for January not November. Motion carried. Joe Liles read a thank you card from Scott Bates and Natalie Spinn Krumnow of Bartlett ISD High School Athletic Department thanking Lodge 80 for the donation to the baseball and softball programs. Financial report was presented by Frank Pajestka, Jr. Motion was made by Curtis Wolf, seconded by Vicki Slye, to accept the financial report. The financial report was approved by the board of directors prior to the meeting. Motion carried. Youth Leader Connie Horak reported that the youth had upcoming dates to remember: February 25 - annual District Two Skating Party followed by Youth Development Workshop; election of youth club officers in March; April 1 Lodge 80 Easter egg hunt; and March 19 - District Two Spring Meeting at Lodge 177, Academy. FAC Frank Pajestka, Jr. reported on dates for SPJST statewide events and District Two Spring Meeting on Sunday,
Happy February birthdays to Jane Galler, left, and Mary Hessel. They were recognized and presented a cake at Lodge 66, Waco’s meeting on February 20, 2017. —Submitted by Diana Engelke
March 19 at Lodge 177, Academy. Holland Women’s Study Club has requested the lodge’s help with its annual chicken spaghetti lunch on Wednesday, April 19. Lodge 80 members were in unison that we buy chicken and assist with the cooking. Workers will be needed. Frank Pajestka, Jr. had received a phone call inquiry from Jim Lesikar who is seeking historical information regarding the Czech National Cemetery. Frank will visit with him this week and share what information the lodge has in terms of names of individuals buried at the site. Future FAC activities will include again preparing hamburgers for the Bartlett group that takes meals to various individuals in the community and Join Hands Day in May. Under old business, changing of the monthly lodge meetings to bimonthly is on hold for the present time. Under new business, Sharon Randig, representing Bartlett Youth League, came to the board of directors’ meeting to request use of Lodge 80 Hall on Saturday, March 25. It will be a reverse raffle and auctions. Proceeds will benefit the renovation of their athletic fields. Motion was made by Joe Liles and seconded by Frank Pajestka, Jr. to allow Bartlett Youth League to use the hall on that date. A contract will be signed with Ms. Randig. Motion carried. Numerous discussions have been held about how best to handle cigarette smoke in the hall. The board of directors previously approved purchasing two air purifiers at $249 each, to assist with the concern. They seem to really help. Motion was made by Vicki Slye and seconded by Silveria Tschoerner to purchase two to four more purifiers as needed. Motion carried. There are 27 Lodge 80 members who will receive 50-year pins this spring. Discussion was held on how to honor them. It was decided to hold the lodge’s monthly meeting on Sunday evening, April 2 at 4:30 p.m., followed by a meal to honor them. Letters will be sent to the 27 honorees. Many live locally so we are hoping all can attend.
Birthday celebrants in February are Risa Pajestka, Frank Pajestka, Sr., and Victoria Zajicek. Celebrating an anniversary is Curtis and Jewel Wolf - 65 years. Get well wishes go to Helen Pajestka, Ed Horak, Ed Balusek, Harold Kurtz, Regina Peevey, and Virginia Benner. Door prize winners were J.D. Coker, Frank Pajestka, Jr., Connie Horak, Jewel Wolf, and Joe Liles. The meeting adjourned at 4:45 p.m. with a motion made by Coleman Benner, seconded by Connie Horak. Social time followed the meeting. Rita Spinn, President —SPJST—
Lodge 84, Dallas meets March 19
As everyone is aware, Lodge 84, Dallas is in the process of relocating. So to get a head start, we are packing up and clearing out the hall. We will be gathering on Sunday, March 19. The monthly meeting is at 2 p.m. We will continuing our packing after the meeting until 5 p.m. All members are invited to join us! President Justine Yeager encourages everyone to come and share memories, help with the packing, and support the lodge by purchasing momentos that have special meaning to you. See you there! Anne Scott Cowan —SPJST—
Lodge Letters continue on page 9.
2017 Life Insurance and Annuity Extra A special VĚSTNÍK publication. Volume 105 Number 11 ISSN —07458800
Insuring & Enriching Lives Since 1897
2017 SPJST Life Insurance and Annuity Extra
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SPJST HOME OFFICE PO Box 100 • Temple, Texas 76503 800-727-7578 • 254-773-1575 • Fax: 254-774-7447 • www.spjst.org
2017 SPJST Life Insurance and Annuity Extra
• SPJST OFFICERS •
Published March 15, 2017, in lieu of the Věstník (VOLUME 105, NO. 11), the 2017 SPJST Life Insurance and Annuity Extra provides a summary of general insurance information and of the insurance plans and annuity programs available to qualifying SPJST members and prospective members.
Table of Contents
Different types of life insurance....................................................................................3 Tips on buying life insurance ........................................................................................3 Affordable Insurance Options .......................................................................................4 Annual Reviews Available to all Members ...................................................................4 Should I buy life insurance through work or on my own?.........................................4 What you should know about buying life insurance ..................................................5 How to purchase insurance: Choosing an agent ......................................................5 How to purchase insurance: Choosing a policy ........................................................6 What is an annuity? ........................................................................................................8 How are annuities different from life insurance?........................................................9 Why should I consider purchasing an annuity? .........................................................9 What are the different types of annuities: fixed vs. variable ....................................9 What are surrender fees?.............................................................................................10 What is the difference between a fixed and variable annuity?................................10 What are deferred and immediate annuities?............................................................10 SPJST Annuities............................................................................................................11 How much should I invest in an annuity?..................................................................12 What is a “free-look” provision?.................................................................................12 Directory of SPJST Sales Agents ..........................................................................13-15
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President Brian Vanicek, FIC o: 254-773-1575 • m: 254-534-2902 vanicek@spjst.com
Vice President Hiram Dixon, FICF, LUTCF, CFFM o: 254-773-1575 • m: 254-231-7722 hiramd@spjst.com
Chief Financial Officer Leonard D. Mikeska, FIC o: 254-773-1575 • m: 254-721-4739 leonardm@spjst.com
Director of Accounting/Information Technology Services Roy Vajdak o: 254-773-1575 • royv@spjst.com • SPJST DIRECTORS •
Billy Rollwitz, FIC, CFFM - District Four h: 325-442-3141 • m: 325-277-5362 o: 325-442-3038 • brollwitz@verizon.net Bradley Stavinoha, FIC - District Five m: 979-739-2386 • o: 979-793-7411 spjst@earthlink.net
Karen Kaspar, FIC, CFFM - District Six h: 979-543-2532 • m: 979-332-1616 k-kaspar@hotmail.com Bob J. Bayer, FIC - District Seven h: 830-393-2872
• FRATERNAL FIELD MANAGERS •
DISTRICTS ONE/TWO/THREE Philip (Phil) McBee, FICF, CFFM m: 325-647-1949 • f: 325-784-7448 philipmcbee@aol.com DISTRICTS FOUR/SEVEN Bobby Davis, FICF, CFFM m: 325-450-3748 • f: 325-657-2003 bgdsr2428@aol.com
Donnie Victorick, FIC, CFFM District One m: 979-272-3265 • o: 979-224-3125 dv.aggie71@gmail.com
DISTRICTS FIVE/SIX Delisle Doherty m: 832-232-2049 • f: 281-855-3039 delisled@sbcglobal.net
John Engelke - District Three h: 254-799-4247 • john.engelke@hotmail.com
Editor/Director of Communication Melanie Zavodny, FIC o: 254-773-1575 • m: 254-534-0807 f: 254-773-8087 • melaniez@spjst.com
Jesse Pospisil - District Two h: 512-365-1110 • m: 512-826-7371 jlpospisil@yahoo.com
• VĚSTNÍK • SPJST’s Weekly Member Newspaper
• • • • • • • • • • • • SPJST Insurance Department Staff • • • • • • • • • • •
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Hiram Dixon FICF, CFFM, LUTCF Supreme Lodge Vice President 8 Years Service
Cynthia Hutka Insurance Operations Manager 30 Years Service
Philip (Phil) McBee FICF, CFFM
Fraternal Field Manager Districts One/Two/Three 11 Years Service
Bobby Davis FICF, CFFM
Fraternal Field Manager Districts Four/Seven 9 Years Service
Delisle Doherty
Dana Boyd
Fraternal Field Manager Districts Five/Six 6 Years Service
Administrative and Underwriting Assistant 1 Year Service
Virginia Longoria
Terry Malina
Lisa Mills
Doni Powell
Susan Shofner
Doris Tyroch
Member Service Representative 1 Year Service
Insurance/Beneficiary Specialist 3 Years Service
Administrative Assistant to the Vice President 8 Years Service
Underwriter
Customer Service Specialist 16 Years Service
Certificate Issue Technician 50 Years Service
16 Years Service
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Donica Zabcik
New Business Marketing and Research Technician 13 Years Service
2017 SPJST Life Insurance and Annuity Extra
Different types of life insurance
The money your beneficiary receives can help cover expenses and ensure that your family is not burdened with debt.
What are the different types of insurance? There are two basic types of life insurance: permanent and term. Permanent insurance pays your beneficiary whenever you may die; term insurance pays your beneficiary if you die during a specific period of time. The money your beneficiary receives can help cover expenses and ensure that your family is not burdened with debt.
What is permanent insurance? Permanent (cash value) insurance provides lifelong protection as long as premiums are paid. It may build up cash value over time, which grows tax deferred. With all permanent policies, the cash value is different from the face amount. The face amount is the money that will be paid to your beneficiary if you die. Cash value takes time to grow. But after you’ve held the policy for several years, its cash value can offer you several options: • You can borrow from the insurer using your cash value as collateral.
• You can get the loan even if you don’t have a good credit history. If you don’t repay the loan (including interest), it will reduce the amount paid to your beneficiaries after your death.
• You can use the cash value to pay your premiums, which would create a loan (interest would continue to accrue), or to buy more coverage.
• You can exchange the policy by using the cash value for an annuity that will provide a steady stream of retirement income for life or a specified period.
• You can cancel (surrender) the policy and receive the cash value in a lump sum. You will pay taxes on the value that exceeds what you’ve paid in premiums.
Basic types of cash value insurance Whole life offers premiums that generally stay fixed over the life of the policy, a fixed death benefit, and cash value that grows at a fixed rate of return.
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Tips on buying life insurance
Make sure that you fully understand any policy you’re considering and that you’re comfortable with the company, agent, and product. When choosing a product, follow the tips below: • After you’ve bought an insurance policy, you may have a “free-look” period—usually 10 days after you receive the policy—when you can change your mind. During that period, read your policy carefully. If you decide not to keep it, the company will cancel the policy and give you an appropriate refund. Information about the free look period is in your contract.
Universal life gives you flexibility in setting premium payments and the death benefit. Changes must be made within certain guidelines set by the policy; to increase a death benefit, the insurer usually requires evidence of continued good health. A universal life policy can have a variable component.
What is term insurance? Term insurance provides protection for a defined period of time—from 10, 15, 20, or even 30 years—and pays benefits only if you die during that period. Term insurance is often used to cover financial obligations that will disappear over time, such as tuition or mortgage payments. Premiums for term insurance either can be fixed for the length of the term or can increase at a point specified in the policy. They also can be less expensive than for a cash value policy. Some term policies can be renewed at the end of a term. However, premium rates will usually increase upon renewal. To qualify for renewal at the lowest rates, many policies require evidence of insurability (continued good health). At the end of a term, you also may be able to convert the policy to a permanent policy. Term policies don’t usually build up a cash value. What are the advantages and disadvantages of each type of insurance?
Cash Value Insurance Advantages • Lifelong protections as long as the premiums are paid.
• Premium costs that can be fixed or flexible to meet individual financial needs.
• Cash value, which can be: used to pay premiums or buy more coverage; borrowed against; converted to an annuity; or surrendered for cash. Cash Value Insurance Disadvantages • Cash value insurance is designed to be kept for the long term; therefore, cancelling a cash value policy after only a few years can be expensive.
Term Insurance Advantages • A policy can cover financial obligations that will disappear over time, such as a mortgage or college expenses.
• Premiums are generally lower than those for cash value insurance at younger ages.
Term Insurance Disadvantages • Provides protection for a specific period of time, not for life. • Renewing coverage at the end of the term generally means premiums will increase.
• Policies don’t usually build up a cash value. Source: American Council of Life Insurers, www.acli.com —SPJST—
• Keep your life insurance policy with your other financial records or legal papers, or anywhere your survivors are likely to look for it. However, don’t keep your policy in your safe deposit box. In most states, boxes are sealed temporarily on the death of the owner, delaying a settlement when funds may be needed most. • Contact your original company, agent, or financial adviser before cancelling your current policy to buy a new one. If your health has declined, you may no longer be insurable at affordable rates. If you replace one cash value policy with another, the cash value of the new policy may be relatively small for several years.
• If you have a complaint about your insurance agent or company, contact the customer service division of your insurance company. If you’re still dissatisfied, contact your state insurance department. A state insurance department directory is available on www.acli.com.
• Review your policy from time to time or when a major event occurs in your life—such as a birth, job promotion, divorce, remarriage, or retirement—to be sure your coverage is adequate and your beneficiaries are correctly named.
• Visit www.acli.com for more consumer resources and information about life insurance. Source: American Council of Life Insurers, www.acli.com
2017 SPJST Life Insurance and Annuity Extra
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Affordable insurance options In many cases, the application process can be accomplished in one meeting.
re you and your family adequately covered? Unless you deal with life insurance regularly, it can be an intimidating and sometimes difficult subject to discuss. If you haven’t purchased insurance in a while, you may be surprised at the many affordable life insurance options available through your local SPJST sales agent. The following list provides a brief summary of the insurance options that are available:
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10-Year Term. A modern term product issued to ages 18 through 75. Premiums are guaranteed for 10 years and can be renewed annually after that to age 95. The death benefit is guaranteed level to age 95. Renewals are guaranteed, even if your health is not perfect! Convertible to permanent coverage prior to age 65 with no health requirements. 15-Year Term. Just like the 10-Year Term, except premiums are level for 15 years. Issued to ages 18 through 70. Convertible to permanent coverage prior to age 65 with no health requirements.
20-Year Term. Level premiums for 20 years (guaranteed level for 10). Issued to ages 18 through 65. Just the thing for young families to provide benefits for the family while the children are growing up if the breadwinner dies. Convertible to permanent coverage prior to age 65 with no health requirements.
30-Year Term. A very sensible term product! Premiums are level for 30 years (guaranteed level for 20). Issued to ages 18 through 55. It is excellent for mortgage cancellation as well as providing inexpensive coverage before retirement. Convertible to permanent coverage prior to age 65 with no health requirements.
Whole Life. A whole life product designed for both young and mature applicants that offers affordable premiums and builds cash value.
Final Expense. A whole life plan designed to help with your final expense needs whether you are in perfect health or even have health concerns (not guaranteed issue). Coverage is available on a modified, graded or level death benefit basis. The level death benefit has inflation protection available, to cover final expenses as they increase each year. Available from ages 40 to 80 with premiums payable for life or as a one-time single premium.
Annual Reviews Available To All Members
Thank you for your membership in SPJST. You are a valued part of what makes SPJST a great organization that provides benefits, coverage, and services. These are all designed to not only provide security and peace of mind to you and your family, but to provide a better quality of life with others who value faith, family, and community. As part of our continued and valued service to our members, SPJST has implemented a program to ensure that your certificate information, such as named beneficiary and insurance coverage, is correct and up-to-date. By reviewing and knowing that your information is current, you can be assured that you are receiving the full value of your membership, and you have peace of mind that your loved ones will receive the care they deserve.
Paid Up at 65 Whole Life. You are covered to age 100, but you only pay premiums to age 65. Cash values are available and continue to grow to age 100. Enjoy your retirement without life insurance premiums!
10 Pay Life. A whole life product designed for both young and mature applicants with premiums payable for 10 years. Issued to ages 0 through 70. 20 Pay Life. A whole life product designed for both young and mature applicants with premiums payable for 20 years. Issued to ages 0 through 60.
Single Pay Whole Life. A whole life product available with just one premium. The certificate is then paid-up. Issued to ages 0 through 80. Universal Life 3. A flexible protection plan issued to ages 0 through 80 which offers both a guaranteed and current interest rate on the cash value accumulation.
Annuities. Both qualified (IRA) and non-qualified are offered to SPJST members. Interest rates are posted every week in SPJST’s weekly newspaper, Vestnik. For current rates, contact the SPJST Home Office, refer to the Vestnik, or visit www.spjst.org.
In many cases, the insurance application process can be accomplished at your home in one meeting. At other times, it may take an additional visit since the sales agent may need to spend some time assessing the information you provide in the initial meeting before he or she can recommend the appropriate life insurance solution. For more information on the life insurance options available to you, please contact your local lodge sales agent. If you’re not sure who that is, call the SPJST Insurance Department at 800-727-7578, and you will be put in touch with a sales agent in your area. See pages 13 through 15 for a listing of agents. —SPJST—
Please take advantage of this service. SPJST has the most competitive insurance products, annuities and IRAs to meet each family need along with being a fraternal society that recognizes its proud heritage and believes strongly in its youth by teaching patriotism, good citizenship, teamwork, and leadership. And, if you have recommendations for new lodge members, please share them with your Fraternal Field Manager or local SPJST lodge sales agent. Your name will be entered in SPJST’s monthly drawing.
How Often Should I Review My SPJST Certificate? If you have a major life event, you should contact your SPJST agent or the SPJST Home Office. This event in your life may have a significant impact on your insurance needs. Life events or changes may include:
• Marriage • A child or grandchild who is born or adopted • Graduation from school or college • Significant changes in your health or that of your spouse • Death of your spouse • Divorce • Taking on the financial responsibility of an aging parent • Purchasing a new home • A loved one who requires long-term care • Refinancing your home • Coming into an inheritance
For 120 years, SPJST has been a shining example in Texas of secure insurance plans and dedicated ideals of fraternalism. All this is possible because of you, our member. If you have questions or need our assistance in any way from the Home Office, please call on us at 800-72-SPJST or 800-727-7578. We are here to help you. —SPJST—
Should I buy life insurance through work or on my own?
This isn’t always an either/or question. The answer is often “both.”
Buying through work. Typically, your employer's "basic" life insurance benefit provides coverage equal to one or two times your annual income. Many employers offer the option of purchasing supplemental coverage, often through an automatic payroll deduction. This is convenient, and you may be able to obtain the extra coverage at a higher rate without having to answer any questions about your health, a big plus if insurability is a concern. SPJST is here to help you with what you need.
Buying on your own. You can choose from among a wide variety of SPJST products, and you never need to worry about losing coverage if you change jobs. You also may be able to get coverage more affordably. Why? When you buy on your own, the price depends on your health and can be permanent. In a work plan, the rate often depends on the health status of employees in your age bracket and is usually temporary or until retirement age. Call us for more information 800-72SPJST. —SPJST—
2017 SPJST Life Insurance and Annuity Extra
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What you should know about buying life insurance
Beneficiaries do not have to pay federal income taxes on the money they receive from a life insurance policy.
Getting Started As you prepare to buy a life insurance policy, evaluate your ongoing and future financial needs. To begin, ask yourself some basic questions:
Why do I need to buy life insurance? If someone depends on you financially, the likelihood is that you need life insurance. Life insurance provides cash to your family after you die. The money your beneficiary receives (the death benefit) can be an important financial resource. It can help cover daily living expenses, pay the mortgage and other outstanding loans, fund tuition, and ensure that your family is not burdened with debt. Having a life insurance policy could mean your spouse or children won’t have to sell assets to pay bills or taxes
(Note: Beneficiaries do not have to pay federal income taxes on the money they receive from a life insurance policy).
Stay-at-home parents also might consider life insurance to help cover the costs of services they routinely provide, such as caring for children and the home. Retirees living on limited income also may find peace of mind knowing that a surviving spouse will not be faced with a financial burden after their death.
How much life insurance do I need? Everyone’s needs are different. An SPJST life insurance agent can help you determine what level of protection is right for you and your family based on your financial responsibilities, sources of income, and savings. There are online calculators that also can help you; however, sitting down with an insurance professional to review your financial information can give you a more personalized view of your needs. In general, deciding how much life insurance you need means calculating the total income that would need to be replaced upon your death to help pay for your family’s financial needs. Consider ongoing expenses (day care, tuition, rent, or mortgage), immediate expenses (medical bills, burial costs, and estate taxes), and long term financial goals (savings for college education and retirement). Your family also may need money to pay for a move or to cover daily expenses during a job search. While there is no substitute for evaluating needs based on your own financial information, some experts suggest that if you own a life insurance policy it should pay a benefit equal to seven to 10 times your annual income. Your needs could be higher or lower depending on your unique situation. Source: American Council of Life Insurers, www.acli.com
How to purchase insurance: Choosing an agent
The agent should be able and willing to explain the different kinds of policies and other insurance-related matters. Working With An Agent
What should an agent do for me? The agent should be able and willing to explain the different types of policies and other insurance-related matters. You should feel satisfied that the agent is listening to you and looking for ways to find the right type of insurance at an affordable price. If you’re not comfortable with the agent, or you aren’t convinced he or she is providing the service you want, interview another agent. What should I expect during my meeting with an agent? An agent will begin by discussing your financial needs. You should have basic personal financial information available—along with a general idea of your goals—before you meet or talk with an agent. He or she will ask questions about your family income, other financial resources you might have, and any debts. The agent will be better able to assess your needs with the information you provide.
What types of questions will I be asked? In addition to questions about finances, be prepared to answer questions about your age, medical condition, family medical history, personal habits, occupation, and recreational activities. Always answer questions truthfully; a company will use this information to evaluate your risk and set a premium for your coverage. For instance, you’ll pay a lower premium if you don’t smoke; on the other hand, if you have a chronic illness, you can expect a higher premium. When it’s time to submit a claim, the accurate and truthful answers you provided to the agent will enable your beneficiary to receive prompt and full payment. When you apply for life insurance, you may be asked to take a medical exam. In many instances, a licensed healthcare professional hired and paid for by the life insurance company will make a personal visit to your home to conduct the exam. —SPJST—
“Life insurance is a combination of caring, commitment, and common sense.”
—Author, Financial Speaker, and Life Insurance Sales Agent Howard Wight, CLU, ChFC For 120 years, SPJST has been a shining example in Texas of secure insurance plans and dedicated ideals of fraternalism. Providing personal service backed by a seasoned and knowledgeable Home Office staff and insurance representatives dedicated to quality member services with fraternal ideals.
Permanent Life Insurance Term Life Insurance and Annuities at affordable, competitive prices. SPJST • PO Box 100 • Temple, Texas 76503 • Home Office at 520 North Main Street in Temple • 800-727-7578 • www.spjst.org
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How to purchase insurance: Choosing a policy
How do I know if a life insurance policy is right for me? Read the policy carefully to make sure it meets your personal goals. Because your policy is a legal document, it’s important that you understand exactly what it provides. Ask for a point-by-point explanation for anything that is unclear and make sure the agent explains items you don’t understand.
SPJST 10-Year SPJST 10-Year Term Product Overview
Benefit Description The 10-Year Term has level premiums and death benefit for 10 years. After the initial 10year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term).
Minimum Amount: $25,000
Minimum Premium: $10 per month
Maximum Amount $4,000,000 on a regular basis. Applications exceeding this amount will be considered on a case-by-case basis.
Underwriting Classifications • Preferred Plus Non-Nicotine* • Preferred Non-Nicotine* • Standard Non-Nicotine • Preferred Nicotine* • Standard Nicotine
*Preferred ratings not available for issue ages above 70. Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).
Issue Ages: 18 to 75 years
Conversion Option Prior to age 65, the certificate may be converted without proof of insurability to any form of life insurance (other than term) then being offered by SPJST provided that the amount of insurance applied for does not exceed the amount in force prior to conversion.
Riders Accidental Death Benefit - Issue ages 18 to 59 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.
Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.
Premiums The premium is guaranteed for the first 10 certificate years. After 10 years, if the certificate is still in force, premiums will increase annually.
• Can I commit to these premiums over the long term?
kind of coverage such as term insurance. If you’re considering a term policy, ask:
• Are the premiums within my budget?
Cash value insurance provides protection for your entire life. Cancelling a cash value policy after only a few years can be a costly way to get short-term insurance protection. If you don’t plan to keep the policy for the long-term, consider another
SPJST 15-Year Term
SPJST 20-Year Term
SPJST 30-Year Term
Product Overview
Product Overview
Product Overview
If your agent recommends a cash value policy, ask:
Benefit Description The 15-Year Term has level premiums and death benefit for 15 years. After the initial 15year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term).
Minimum Amount: $25,000
Minimum Premium: $10 per month
Maximum Amount $4,000,000 on a regular basis. Applications exceeding this amount will be considered on a case-by-case basis.
Underwriting Classifications: • Preferred Plus Non-Nicotine* • Preferred Non-Nicotine* • Standard Non-Nicotine • Preferred Nicotine* • Standard Nicotine
Benefit Description The 20-Year Term has level premiums and death benefit for 20 years. After the initial 20year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term).
Benefit Description The 30-Year Term has level premiums and death benefit for 30 years. After the initial 30year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term).
Minimum Premium: $10 per month
Minimum Premium: $10 per month
Minimum Amount: $100,000
Maximum Amount $4,000,000 on a regular basis. Applications exceeding this amount will be considered on a case-by-case basis.
Underwriting Classifications • Preferred Plus Non-Nicotine* • Preferred Non-Nicotine* • Standard Non-Nicotine • Preferred Nicotine* • Standard Nicotine
*Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).
*Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).
Conversion Option Prior to age 65, the certificate may be converted without proof of insurability to any form of life insurance (other than term) then being offered by SPJST provided that the amount of insurance applied for does not exceed the amount in force prior to conversion.
Conversion Option Prior to age 65, the certificate may be converted without proof of insurability to any form of life insurance (other than term) then being offered by SPJST provided that the amount of insurance applied for does not exceed the amount in force prior to conversion.
Issue Ages: 18 to 70 years
Issue Ages: 18 to 65 years
Premium Benefit Options 10-Year Guarantee - The premium is guaranteed for the first 10 certificate years. The premium may change after the 10th certificate year but can never exceed the guaranteed maximum premium for the then attained age. After 15 years, if the certificate is still in force, premiums will increase annually.
Premium Benefit Options 10-Year Guarantee - The premium is guaranteed for the first 10 certificate years. The premium may change after the 10th certificate year but can never exceed the guaranteed maximum premium for the then attained age. After 20 years, if the certificate is still in force, premiums will increase annually.
Riders Accidental Death Benefit - Issue ages 18 to 59 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.
Riders Accidental Death Benefit - Issue ages 18 to 59 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.
15-Year Guarantee - The premium is guaranteed for the first 15 certificate years. After 15 years, if the certificate is still in force, premiums will increase annually.
Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.
• How long can I keep this policy? If I want to renew it for a specific number of years, or until a certain age, what are the renewal terms?
20-Year Guarantee - The premium is guaranteed for the first 20 certificate years. After 20 years, if the certificate is still in force, premiums will increase annually.
Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.
Minimum Amount: $100,000
Maximum Amount $4,000,000 on a regular basis. Applications exceeding this amount will be considered on a case-by-case basis. Underwriting Classifications • Preferred Plus Non-Nicotine* • Preferred Non-Nicotine* • Standard Non-Nicotine • Preferred Nicotine* • Standard Nicotine
*Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years). Issue Ages: 18 to 55 years
Conversion Option Prior to age 65, the certificate may be converted without proof of insurability to any form of life insurance (other than term) then being offered by SPJST provided that the amount of insurance applied for does not exceed the amount in force prior to conversion.
Premium Benefit Options 20-Year Guarantee - The premium is guaranteed for the first 20 certificate years. The premium may change after the 20th certificate year but can never exceed the guaranteed maximum premium for the then attained age. After 30 years, if the certificate is still in force, premiums will increase annually. 30-Year Guarantee - The premium is guaranteed for the first 30 certificate years. After 30 years, if the certificate is still in force, premiums will increase annually.
Riders Accidental Death Benefit - Issue ages 18 to 55 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.
Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.
• Will my premiums increase? If so, will increases start annually or after five or 10 years?
• Can I convert to a cash value policy? Will I need a medical exam if and when I convert?
• If it has a return of premium benefit, ask: What would the policy cost without this benefit? Will all of the premiums be refunded?
Is a policy illustration a legal document, like a contract? A policy illustration is not part of the life insurance policy and is not a legal document. Legal obligations are spelled out in the policy contract. A policy illustration, however, can help you understand how a policy works.
What is in a policy illustration? A policy illustration is meant to provide an example, based on certain assumptions, of how a policy’s costs and benefits may develop over time—including, but not limited to, premium amounts
2017 SPJST Life Insurance and Annuity Extra
owed, cash values, and death benefits. For a term policy, the illustration extends to the end of the term. With a cash value policy, the illustration extends past your 100th birthday. Your actual costs and benefits could be higher or lower than those in the illustration because they depend on the future financial results of the insurance company. However, when figures are guaranteed, the insurance company will honor them regardless of its financial success. Ask your agent which figures are guaranteed and which are not. A policy illustration can be complicated. Your agent or financial advisor can explain information you don’t understand.
What should I look for in a policy illustration? Study the policy illustration to answer the following: • Is my classification (i.e., smoker/nonsmoker, male/female) correct?
SPJST Whole Life
SPJST Paid Up at 65 Whole Life
Product Overview
Product Overview
Benefit Description • Level death benefit. • Level premium permanent life insurance to age 100.
Minimum Amount $10,000 with exceptions shown below and $10 monthly premium minimum.
Underwriting Classifications • Preferred Non-Nicotine - Preferred ratings not available for issue ages above 70 or under 18. Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years). • Standard Non-Nicotine
• Standard Nicotine
Issue Ages: 0 to 80 years
Riders: Accidental Death Benefit - Issue ages 0 to 60 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.
Guaranteed Insurability - Issue ages 0 to 37 years; terminates age 40.
Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60. Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21.
Benefit Description • Level death benefit. • Level premium permanent life insurance to age 100. • Premiums payable to age 65.
Minimum Amount $10,000 with exceptions shown below and $10 monthly premium minimum. Underwriting Classifications • Preferred Non-Nicotine - Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years). • Standard Non-Nicotine • Standard Nicotine
Issue Ages: 0 to 55 years
Riders Accidental Death Benefit - Issue ages 0 to 55 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000. Guaranteed Insurability - Issue ages 0 to 37 years; terminates age 40.
Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60. Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21.
• When are premiums due—monthly, annually, or according to some other schedule?
• Which amounts are guaranteed and which are not?
• Does the policy have a guaranteed death benefit or could the death benefit change depending on interest rates or other factors?
• Does the policy offer dividends or interest credits that could increase my cash value and death benefit or reduce my premium?
• Will my premiums always be the same? Could premiums increase if future interest rates or investment returns are lower than the illustration assumes?
SPJST Single Pay Whole Life Product Overview
Benefit Description • Fully paid-up life insurance certificate with just one premium payment. • One of the lowest guaranteed premiums available today on permanent life insurance. • Guaranteed cash and loan values are immediately available. • Fully underwritten product, consistent with company underwriting guidelines. • The SPJST Single Pay Whole Life plan retains those tax-favored features that have always made traditional life insurance so valuable. • Your cash values increase on a tax-deferred basis. • The face amount of a certificate is payable to your beneficiary income tax-free. • Among others, the SPJST Single Pay Whole Life plan will be of special interest to new members who want to pay only one insurance premium; parents and grandparents; members who want to buy additional permanent insurance at low premium rates; anyone wishing to make a gift of life insurance to a college, church, charitable organization, or to an individual.
Minimum Amount: $5,000
Underwriting Classifications Fully underwritten product, consistent with company underwriting guidelines.
Issue Ages: 0 to 80 years
Riders: Accidental Death Benefit
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• If the illustration shows that I won’t have to make premium payments after a certain period of time, is there any chance I would have to start making payments again at any time in the future?
After Purchase After purchasing your life insurance policy, keep it with other financial records or legal papers, or anywhere your survivors are likely to look for it if they need to file a claim. As a precaution, you shouldn’t store a life insurance policy in a safe deposit box. In most states, boxes are sealed temporarily upon one’s death, this could delay the claims process. Keep your agent’s name and contact information easily accessible. The agent can help your beneficiaries fill out the necessary forms and act as an intermediary with the insurance company. Review your life insurance policy from time to time to be certain it continues to meet your needs as your circumstances change, such as the birth of a child, a job promotion, divorce, remarriage or retirement. Also, review it to ensure your beneficiaries are correctly named. —SPJST—
SPJST Final Expense
Level Benefit and Increasing Benefit Product Overview
Benefit Description • Level death benefit whole life certificate to age 100 with either: a) level lifetime payments, or b) a single premium payment.
• Increasing Benefit Option (lifetime pay only)—4% compounded increase beginning in Year 2; maximum of two times original face amount.
Minimum Amount: $5,000
Maximum Amount: $25,000 in force per person
Issue Ages: Lifetime Pay—40 to 80 years Single Pay— • 40 to 80 years..Male/Female - Non-Nicotine • 40 to 80 years..Female - Nicotine • 40 to 75 years..Male - Nicotine Riders Accidental Death Benefit (lifetime pay only) Waiver of Premium (lifetime pay only)
Underwriting • Simplified underwriting with three-tiered Final Expense application. • Telephone interview required. • Level Benefit Plan may be issued if no health issues in parts B, C, or D of application.
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SPJST 10 Pay Whole Life
SPJST 20 Pay Whole Life
SPJST Universal Life 3
Product Overview
Product Overview
Product Overview
Benefit Description • Level death benefit. • Level premium permanent life insurance to age 100. • Premiums payable for 10 years.
Minimum Amount $10,000 with exceptions shown below and $10 monthly premium minimum.
Underwriting Classifications • Preferred Non-Nicotine - Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years). • Standard Non-Nicotine
• Standard Nicotine
Riders Accidental Death Benefit - Issue ages 0 to 60 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000. Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.
Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21.
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Minimum Amount $10,000 with exceptions shown below and $10 monthly premium minimum. Underwriting Classifications: • Preferred Non-Nicotine - Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years). • Standard Non-Nicotine
• Standard Nicotine
Issue Ages: 0 to 70 years
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Benefit Description • Level death benefit. • Level premium permanent life insurance to age 100. • Premiums payable for 20 years.
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In its most general sense, an annuity is an agreement for one person or organization to pay another a stream or series of payments. Usually the term “annuity” relates to a contract between you and a life insurance company, but a charity or a trust can take the place of the insurance company. There are many categories of annuities. They can be classified by:
• Nature of the underlying investment – fixed or variable
• Primary purpose – accumulation or pay-out (deferred or immediate)
• Nature of pay-out commitment – fixed period, fixed amount, or lifetime
• Tax status – qualified or nonqualified
• Premium payment arrangement – single premium or flexible premium. An annuity can be classified in several of
Issue Ages: 0 to 60 years
Riders Accidental Death Benefit - Issue ages 0 to 60 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000. Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.
Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21.
Benefit Description Flexible premium adjustable universal life insurance contract with guaranteed coverage for five years, subject to the payment of minimum nolapse premiums on a cumulative basis. Contains two volume bands: Low Band: $25,000 minimum face amount $99,999 maximum face amount
High Band: $100,000 minimum face amount ($150,000 for preferred nonnicotine issue ages 35 and under)
Underwriting Classifications • Preferred Non-Nicotine • Standard Non-Nicotine • Standard Nicotine
Death Benefit Options Option A — Level Death Benefit Option B — Increasing Death Benefit. Death benefit includes cash value
Minimum Premium:
$15 per month
Issue Ages: 0 to 80 years 18 to 70 years for Preferred class
Maturity Age:
95 (matures for cash value)
Modal Premiums: Monthly Bank Draft, Quarterly, Semi-Annual, Annual
Target Premiums The target premium is the recommended level annual premium. It may be sufficient to keep the certificate in force to age 95. It is not guaranteed.
What is an Annuity?
these categories at once. For example, you might buy a nonqualified single premium deferred variable annuity. In general, annuities have the following attractive features:
Tax deferral on investment earnings Many investments are taxed year by year, but the investment earnings—capital gains and investment income—in annuities aren’t taxable until you withdraw money. This tax deferral is also true of 401(k)s and IRAs; however, unlike these products, there are no limits on the amount you can put into an annuity. Moreover, the minimum withdrawal requirements for annuities are much more liberal than they are for 401(k)s and IRAs.
Protection from creditors If you own an immediate annuity (that is, you are receiving money from an insurance company), generally the most
that creditors can access is the payments as they’re made, since the money you gave the insurance company now belongs to the company. Some state statutes and court decisions also protect some or all of the payments from those annuities. And your money in tax-favored retirement plans, such as IRAs and 401(k)s, are generally protected, whether invested in an annuity or not.
An array of investment options, including “floors” Many annuity companies offer a variety of investment options. You can invest in a fixed annuity which would credit a specified interest rate, similar to a bank Certificate of Deposit (CD). If you buy a variable annuity, your money can be invested in stock or bond (or other) mutual funds. In recent years, annuity companies have created various types of “floors” that limit the extent of investment decline from an increasing reference point. For example, the annuity may offer a feature
Minimum Premiums During the no-lapse period, the certificate is guaranteed not to lapse if at least the minimum no-lapse premium is paid and remains in the certificate. If only the minimum premium is paid, the certificate is only guaranteed to stay in force for 5 years. No-Lapse Period: 5 years
Surrender Charges For issue ages 0 to 76, a surrender charge applies during the first 18 certificate years and is zero thereafter. For issue ages 77 and above, a surrender charge applies during the first 14 certificate years. Surrender charges are an amount per $1,000 of specified amount which varies by issue age, gender, underwriting classification, and certificate year. Guaranteed Interest Rate: 2.50%
Riders Accidental Death Benefit - Issue ages 0 to 59 years; full benefit payable in event of accident prior to age 70. This benefit terminates at the certificate’s anniversary date following the insured’s 70th birthday.
Waiver of Monthly Deduction - Issue ages 18 to 55 years; pays monthly cost of insurance and riders plus administrative costs for period of disability if insured is totally disabled prior to age 60.
Guaranteed Insurability - Issue ages 0 to 37; sold in amounts of $5,000, $10,000, $15,000, or $25,000. Depending on amount purchased, allows insured to purchase additional insurance at election dates at ages 25, 28, 31, 34, 37, and 40 without proof of insurability. Rider terminates at age 40.
Interest Rate Through 04/30/2017 Universal Life 3 (plans 1203-1222 with a guaranteed rate of 2.50%) Credited Rate: 3.00%
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that guarantees your investment will never fall below its value on its most recent policy anniversary.
Tax-free transfers among investment options In contrast to mutual funds and other investments made with “after-tax money,” with annuities there are no tax consequences if you change how your funds are invested. This can be particularly valuable if you are using a strategy called “rebalancing,” which is recommended by many financial advisors. Under rebalancing, you shift your investments periodically to return them to the proportions that you determine represent the risk/return combination most appropriate for your situation.
Lifetime income A lifetime immediate annuity converts an investment into a stream of payments that last as long as you do. In concept, the payments come from three “pockets”:
Your investment, investment earnings and money from a pool of people in your group who do not live as long as actuarial tables forecast. It’s the pooling that’s unique to annuities, and it’s what enables annuity companies to be able to guarantee you a lifetime income.
Benefits to your heirs There is a common misconception about annuities that goes like this: if you start an immediate lifetime annuity and die soon after that, the insurance company keeps all of your investment in the annuity. That can happen, but it doesn’t have to. To prevent it, buy a “guaranteed
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period” with the immediate annuity. A guaranteed period commits the insurance company to continue payments after you die to one or more beneficiaries you designate; the payments continue to the end of the stated guaranteed period—usually 10 or 20 years (measured from when you started receiving the annuity payments). Moreover, annuity benefits that pass to beneficiaries don’t go through probate and aren’t governed by your will. Source: Insurance Information Institute, http://www.iii.org/ individuals/annuities/
How are annuities different from life insurance?
Both annuities and life insurance should be considered in your long-term financial plan. While both include death benefits, you buy life insurance in the event you die too soon and an annuity in case you live too long.
In other words, life insurance provides economic protection to your loved ones if you die before your financial obligations to them are met, while annuities guard against outliving your assets.
Why should I consider purchasing an annuity?
Annuities can serve many useful purposes. If you are in a saving-money stage of life, a deferred annuity can:
• Help you meet your retirement income goals. Employer-sponsored plans such as a 401(k), 403(b) or Keogh are an important part of planning for retirement. However, contributions to these plans and to IRAs are limited, and they might not add up to enough for the retirement income you need, especially if you started saving for retirement late or had contributions interrupted—perhaps due to job changes and/or family responsibilities. Moreover, your social security and defined-benefit pension (if you have one) may provide less than you need to retire. Remember that the purchasing power of defined-benefit pension income is eroded by inflation.
• Help you diversify your investment portfolio. Investment experts routinely advise that, to get the best return for a given level of risk, you should diversify your investments among a number of asset classes. Fixed annuities, in particular, offer a unique asset class—an investment that is guaranteed not to decrease and that will actually increase at a specified interest rate (and, often, potentially more). The guarantees are supported by the claims-paying ability of the insurer. • Help you manage your investment portfolio. Investment experts routinely advise that, whenever your investments in various asset classes get too far from
the percentage allocations you prefer, you “rebalance” to the original formulation, by shifting funds from the classes that have grown faster to the ones that have grown more slowly. If you do this with mutual funds, you pay capital gains taxes; if you do it in a variable annuity, you don’t pay capital gains taxes. When you eventually withdraw money from the annuity (which could be many years after the rebalancing), you pay tax then at the ordinary income rate. If you are in a need-income stage of life, an immediate annuity can:
• Help protect you against outliving your assets. Social security pays retirement income for as long as you live, as do defined-benefit pension plans. But the only other source of income available that continues indefinitely is an immediate annuity.
• Help protect your assets from creditors. Generally the most that creditors can access is the payments from an immediate annuity as they’re made, since the money you gave the insurance company now belongs to the company. Some state statutes and court decisions also protect some or all of the payments from those annuities. Source: Insurance Information Institute, http://www.iii.org/ individuals/annuities/
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Comparing Deferred and Immediate Annuities
There are two main types of life insurance—term and whole life—and two main types of annuities—deferred and immediate.
Life Insurance
Main Reason For Buying It: Pays Out When: Typical Form Of Payment:
Buyer’s Age When It Is Typically Bought: Does It Accumulate Money Tax-Deferred?
Annuities
Whole Life
Deferred Annuities
You die, borrow the cash value or surrender the policy
You make withdrawals
Single sum
Single sum or income
25-50
30-60
40-65
55-80
No
Yes
Yes
Yes, but only in the early payout years
Term Life
Provide income for dependents You die Single sum
Immediate Annuities
Provide income for To accumulate To assure you don’t dependents money in a tax“outlive your income” or meet estate deferred product planning needs
Does It Pay A Death Benefit?
Yes
Yes
Yes
Are Benefits Taxable Income When Received?
No
No, unless a cash value withdrawal exceeds the sum of premiums
Yes, but only the part derived from investment income
One period after you buy the annuity, stops paying when you die* Lifetime income
*payments continue if the annuity has a guaranteed-period option that hasn’t expired at the annuitant’s death
Yes, but only the part derived from investment income
Article and Chart Source: Insurance Information Institute, http://www.iii.org/articles/how-are-annuities-different-from-life-insurance.html)
the different types of annuities: fixed vs. variable
In a fixed annuity, the insurance company guarantees the principal and a minimum rate of interest. In other words, as long as the insurance company is financially sound, the money you have in a fixed annuity will grow and will not drop in value. The growth of the annuity’s value and/or the benefits paid may be fixed at a dollar amount or by an interest rate, or they may grow by a specified formula. The growth of the annuity’s value and/or the benefits paid does not depend directly or entirely on the performance of the investments the insurance company makes to support the annuity. Some fixed annuities credit a higher interest rate than the minimum, via a policy dividend that may be declared by the company’s board of directors, if the company’s actual investment, expense and mortality experience is more favorable than was expected. Fixed annuities are regulated by state insurance departments. Money in a variable annuity is invested in a fund—like a mutual fund but one open only to investors in the insurance company’s variable life insurance and variable annuities. The fund has a particular investment objective, and the value of your money in a variable annuity—and the amount of money to be paid out to you—is determined by the investment performance (net of expenses) of that fund. Most variable annuities are structured to offer investors many different fund alternatives. Variable annuities are regulated by state insurance
departments and the federal Securities and Exchange Commission.
Types of Fixed Annuities An equity-indexed annuity is a type of fixed annuity, but looks like a hybrid. It credits a minimum rate of interest, just as a fixed annuity does, but its value is also based on the performance of a specified stock index—usually computed as a fraction of that index’s total return. A market-value-adjusted annuity is one that combines two desirable features—the ability to select and fix the time period and interest rate over which your annuity will grow, and the flexibility to withdraw money from the annuity before the end of the time period selected. This withdrawal flexibility is achieved by adjusting the annuity’s value, up or down, to reflect the change in the interest rate “market” (that is, the general level of interest rates) from the start of the selected time period to the time of withdrawal. Other Types of Annuities All of the following types of annuities are available in fixed or variable forms.
Deferred vs. immediate annuities A deferred annuity receives premiums and investment changes for payout at a later time. The payout might be a very long time; deferred annuities for retirement can remain in the deferred stage for decades.
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An immediate annuity is designed to pay an income one time-period after the immediate annuity is bought. The time period depends on how often the income is to be paid. For example, if the income is monthly, the first payment comes one month after the immediate annuity is bought.
Fixed period vs. lifetime annuities A fixed period annuity pays an income for a specified period of time, such as 10 years. The amount that is paid doesn’t depend on the age (or continued life) of the person who buys the annuity; the payments depend instead on the amount paid into the annuity, the length of the payout period, and (if it’s a fixed annuity) an interest rate that the insurance company believes it can support for the length of the pay-out period. A lifetime annuity provides income for the remaining life of a person (called the “annuitant”). A variation of lifetime annuities continues income until the second one of two annuitants dies. No other type of financial product can promise to do this. The amount that is paid depends on the age of the annuitant (or ages, if it’s a two-life annuity), the amount paid into the annuity, and (if it’s a fixed annuity) an interest rate that the insurance company believes it can support for the length of the expected pay-out period. With a “pure” lifetime annuity, the payments stop when the annuitant dies, even if that’s a very short time after they began. Many annuity buyers are uncomfortable at this possibility, so they add a guaranteed period—essentially a fixed period annuity—to their lifetime annuity. With this combination, if you die before the fixed period ends, the income continues to your beneficiaries until the end of that period.
2017 SPJST Life Insurance and Annuity Extra
Qualified vs. nonqualified annuities A qualified annuity is one used to invest and disburse money in a tax-favored retirement plan, such as an IRA or Keogh plan or plans governed by Internal Revenue Code sections, 401(k), 403(b), or 457. Under the terms of the plan, money paid into the annuity (called “premiums” or “contributions”) is not included in taxable income for the year in which it is paid in. All other tax provisions that apply to nonqualified annuities also apply to qualified annuities. A nonqualified annuity is one purchased separately from, or “outside of,” a tax-favored retirement plan. Investment earnings of all annuities, qualified and non-qualified, are tax-deferred until they are withdrawn; at that point they are treated as taxable income (regardless of whether they came from selling capital at a gain or from dividends). Single premium vs. flexible premium annuities A single premium annuity is an annuity funded by a single payment. The payment might be invested for growth for a long period of time—a single premium deferred annuity—or invested for a short time, after which payout begins—a single premium immediate annuity. Single premium annuities are often funded by rollovers or from the sale of an appreciated asset. A flexible premium annuity is an annuity that is intended to be funded by a series of payments. Flexible premium annuities are only deferred annuities; that is, they are designed to have a significant period of payments into the annuity plus investment growth before any money is withdrawn from them. Source: Insurance Information Institute, http://www.iii.org/articles/what-are-the-different-types-of-annuities.html
what are surrender fees?
If you take money out of an annuity, there may be a penalty called a surrender fee or a withdrawal charge. This fee is higher if you withdraw funds within the first years of an annuity contract. The penalty, however, drops gradually each year. Since immediate annuities are purchased to provide income, they usually can’t be “surrendered” and will therefore not be subjected to a fee. A typical surrender fee schedule could be: • 7 percent if you withdraw funds in the first year, • 6 percent in the second year, • 5 percent in the third year, • 4 percent in the fourth year, • 3 percent in the fifth year, • 2 percent in the sixth year, • 1 percent in the seventh year, and • 0 in the eighth year and beyond.
The purpose of the fee is to allow the insurer enough time to recover its expenses, largely commissions, in setting up the annuity contract. It also serves to discourage annuity buyers from using deferred annuities as short-term investments for quick cash. Some contracts may permit you to pull out a portion of the funds annually, usually up to 10 percent without a surrender charge. If this option is important to you, ask your insurance agent or company representative about this before deciding to invest your money in a specific annuity. Also, ask if there may be any other fees or charges.
Source: Insurance Information Institute, http://www.iii.org/articles/what-aresurrender-fees.html
What is the difference between a fixed and variable annuity?
Fixed annuities pay a “fixed” rate of return. When you receive payments, the monthly payout is a set amount and is guaranteed. Fixed annuities may be a good choice for:
• Conservative investors who value safety and stability.
• Those nearing retirement age who want to shelter their assets from the volatility of the stock or bond market. With variable annuities, you can invest in a variety of securities including stock and bond funds. Stock market performance determines the annuity's value and the return you will get from the money you invest. The amount of risk you are
willing to assume should influence the kind of funds you select. You may want to consider a variable annuity if you are:
• Comfortable with fluctuations in the stock market and want your investments to keep pace with inflation over a long period of time.
• Young and want to prepare financially for retirement by reaping the gains in the stock or bond market over the long term. Source: Insurance Information Institute, http://www.iii.org/articles/what-is-the-difference-between-a-fixed-and-variableannuity.html
what are deferred and immediate annuities?
Deferred Annuity This type of annuity is good for longterm retirement planning for the following reasons: • Payments on income taxes are deferred until you withdraw the money.
• Unlike a 401(k) or an IRA, there are no limits on your annual annuity contributions.
• There is a death benefit. If you die before collecting on the annuity, your heirs get the amount you contributed, plus investment earnings, minus whatever cash withdrawals you made.
Immediate Annuity This allows you to convert a lump sum of money into an annuity so that you can immediately receive income. Payments generally start about a month after you purchase the annuity. This type of annuity offers financial security in the form of income payments for the rest of your life. In other words, you cannot outlive it.
Immediate annuities allow you to:
• Supplement your current income. If you are nearing retirement, you may consider transferring another savings or investment account into an immediate annuity. You can also move the proceeds from a deferred annuity into an immediate annuity. • Pay taxes only on the portion of your immediate annuity payments that is considered earnings. You are not taxed on the portion that is principal. The principal is the initial deposit made with funds that have already been taxed.
Like deferred annuities, immediate annuities can be fixed or variable. Fixed immediate annuity income payments are pegged to the amount you contribute, your age and the interest rate at the time of purchase. Those payments to you will not go up or down. Variable immediate annuity payments vary with the investments you chose. Source: Insurance Information Institute, http://www.iii.org/articles/what-are-deferredand-immediate-annuities.html
2017 SPJST Life Insurance and Annuity Extra
SPJST Annuities
Straight Annuity • 5-Year Annuity • 10-Year Annuity Single Premium Annuity • Traditional IRA • Roth IRA
What is an SPJST Annuity? An annuity is a contract between the member and SPJST. The object of an annuity is cash accumulation. Annuities are not life insurance. An annuity has a beneficiary provision, but the only benefit paid at death is the total of the funds accumulated at that point, unless other provisions have been made. The member contributes funds to the SPJST annuity in lump sums or premiums over time. These funds accumulate tax-deferred compound interest until a specified maturity date. At maturity, the member can receive the funds either in a lump sum, payments over a certain time period, or even equal payments guaranteed for the rest of the member’s life.
Two Types of Annuities are available: Deferred or Immediate. Deferred annuities enable the member to contribute funds through tax-deferred accumulation over a period of time. This is called the accumulation period. The accumulation period continues until the maturity date, at which time the payout period begins. The maturity date is usually set at age 65 or later, but can be changed at any time. After the maturity date, the payout period is when SPJST distributes the accumulated funds to the member according to the member’s wishes, whether it is a lump sum, distributions for a set period of time, or lifetime options that the member cannot outlive. SPJST has three deferred annuities: Flexible Premium Annuity 5-Year Annuity 10-Year Annuity
The Flexible Premium Annuity accumulates interest that is reviewed quarterly, but can never go below a guaranteed minimum rate. The 5-Year Annuity and 10-Year Annuity have guaranteed locked-in rates for a full five years or 10 years. Immediate annuities work just like deferred annuities except there is no accumulation period. The member contributes a lump sum of funds ($10,000 minimum), and the payout period begins immediately. SPJST Annuities offer benefits not found in other tax-qualified plans {such as 401(k) plans}. First, there is no IRS
contribution limitation. SPJST members can contribute any amount (within reason) to an annuity. Second, SPJST annuities do not require vesting. SPJST guarantees that the total amount of funds (principal plus interest) will be paid directly to the beneficiary upon the death of the member in the accumulation period. SPJST Flexible Annuities are used to fund Individual Retirement Arrangements (IRA), both Traditional and Roth. More IRA information follows in this section. ••••••••••••
All Flexible Annuities Straight Annuity Traditional IRA Roth IRA
Eligibility Requirements SPJST members (life insurance certificate holders) are eligible and may purchase an annuity with a $100 minimum contribution.  Exceptions Any individual under 70 years of age must apply for an SPJST life insurance certificate, but if uninsurable or rated above standard, the individual may become a member with the purchase of an annuity in an amount of $1,000 minimum. Any individual under 70 years of age regardless of insurability may become a member with the purchase of an annuity in an amount of $5,000 minimum. Any individual over 70 years of age regardless of insurability may become a member with the purchase of an annuity in an amount of $1,000 minimum.  Issue Ages Flexible Premium Annuity 0 to 85 years Single Premium Immediate 0 to 90 years
Issue age may be extended with prior approval and arrangement with Supreme Lodge Vice President. If issue age is more than 70, agent commissions will be affected.
Current Minimum Guaranteed Interest Rate: 1.50% as of March 8, 2017 Current Interest Rate: 3.00% as of March 8, 2017
Withdrawals or Charges Partial or full withdrawals can be made at any time. Please refer to the back of the application for withdrawal charges or penalties. SPJST may deduct a withdrawal charge from any amount withdrawn in the first seven certificate years (or the maturity date). The charge will be as SPJST determines from time to time, and will not be greater than the percentage of the amount withdrawn shown in the table below. SPJST withdrawal charges do not affect IRS withdrawal charges or penalties. Certificate Year/Charge 1st year —10% 2nd year—9% 3rd year—8% 4th year —7% 5th year—6% 6th year—4% 7th year—2% 8th year and later—No Charge
Free Withdrawal The member may, in any one certificate year, make as many as three withdrawals, the aggregate total of which may not exceed 10 percent of the cash value at the beginning of that certificate year without incurring a withdrawal charge. The member may withdraw up to 50 percent of the total accumulated amount in the annuity within 90 days of either of the following events with no SPJST penalty: Total Disability and/or Nursing Home Residency. These apply only to SPJST charges. IRS Withdrawal Penalties and Charges may apply. ••••••••••••
SPJST 5-Year Annuity
Eligibility Requirements Same as Flexible Annuities
Issue Ages 0 to 90 years. Issue age may be extended with prior approval and arrangement with Supreme Lodge Vice President. If issue age is more than 70 years, agent commissions will be affected. Current Minimum Guaranteed Interest Rate: 1.50% as of March 8, 2017
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Current Interest Rate Similar to Certificates of Deposit, the 5-Year Annuity rates change periodically, but once a member opens a 5-Year Annuity, the then-current rate will be locked in for five years.
Withdrawals and Charges Partial or full withdrawals can be made at any time. Please refer to the back of the application for withdrawal charges or penalties. SPJST may deduct a withdrawal charge from any amount withdrawn in the first five certificate years. The charge will be as SPJST determines from time to time, and will not be greater than the percentage of the amount withdrawn shown in the table below. SPJST withdrawal charges do not affect IRS withdrawal charges or penalties. Certificate Year/Charge 1st year—8% 2nd year—7% 3rd year—6% 4th year—5% 5th year—4% End of 5th Year—No Charge
At the end of the fifth year, the member may choose to withdraw funds, or simply let the annuity renew for another 5-Year Annuity with the then-current rates and SPJST withdrawal charges.
Free Withdrawals The member may, in any one certificate year, make as many as three withdrawals, the aggregate total of which may not exceed 10 percent of the cash value at the beginning of that certificate year without incurring a withdrawal charge. These apply only to SPJST charges. IRS Withdrawal Penalties and Charges may apply. ••••••••••••
SPJST 10-Year Annuity
Eligibility Requirements Same as Flexible Annuities.
Issue Ages 0 to 85 years. Issue age may be extended with prior approval and arrangement with Supreme Lodge Vice President. If issue age is more than 70 years, agent commissions will be affected. Current Minimum Guaranteed Interest Rate: 1.00% as of March 8, 2017
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Current Interest Rate Similar to Certificates of Deposit, the 10-Year Annuity rates change periodically, but once a member opens a 10Year Annuity, the then-current rate will be locked in for 10 years.
Withdrawals and Charges Partial or full withdrawals can be made at any time. Please refer to the back of the application for withdrawal charges or penalties. SPJST may deduct a withdrawal charge from any amount withdrawn in the first 10 certificate years. The charge will be as SPJST determines from time to time, and will not be greater than the percentage of the amount withdrawn shown in the table below. SPJST withdrawal charges do not affect IRS withdrawal charges or penalties. Certificate Year/Charge 1st year—9% 2nd year—9% 3rd year—8% 4th year—7% 5th year—6% 6th year—5% 7th year—4% 8th year—3% 9th year—2% 10th year—1% End of 10th Year—No Charge
At the end of the 10th year, the Member may choose to withdraw funds, or simply let the annuity renew for another 10-Year Annuity with the then-current rates and SPJST withdrawal charges.
Free Withdrawals The member may, in any one certificate year, make as many as three withdrawals, the aggregate total of which may not exceed 10 percent of the cash value at the beginning of that certificate year without incurring a withdrawal charge. These apply only to SPJST charges. IRS Withdrawal Penalties and Charges may apply. ••••••••••••
Annuity Payout Options and Taxation
IRS Penalties and Taxation If funds are withdrawn during the accumulation period, they may be subject to the SPJST Withdrawal Charges mentioned previously as well as IRS taxes and penalties. Any funds withdrawn from an annuity during the accumulation period will be considered interest (pre-tax funds) first and therefore taxable income in the year withdrawn. If the annuitant is under age 59 1⁄2 during that tax year, IRS
2017 SPJST Life Insurance and Annuity Extra
also levies a 10 percent penalty on the pre-tax amount. Only after all the pre-tax funds are withdrawn would the annuitant get to the principal (after-tax funds) which are never taxed or penalized from IRS. Please remember that IRS penalties are separate and independent of SPJST Withdrawal Charges. IRS penalties and taxation concerning Traditional IRA and Roth IRA plans are covered later in this section. Non-Lifetime Options Distributions under these options are made irrespective of anyone living or dying.
• Lump Sum Distribution One single distribution paid to the annuitant. The terms of the contract are completed, and the annuity is terminated at that time.
• Period Certain Distributions are spread out in equal amounts over a given time period (5, 10, 20 years, etc.) during which time all principal and interest is exhausted.
• Amount Certain Distributions are made according to a specific payment amount ($1,000, $2,000, etc.) during which time all principal and interest is exhausted.
Lifetime Options These options all pay the annuitant an income for life in any case. The options differ in what happens after the annuitant’s death. Different options result in different income amounts. Once an option is chosen and distributions begin, it cannot be changed. • Straight Line Income Option Also called Straight Life Annuity or Life Annuity, this option provides regular and equal distributions for the lifetime of the annuitant, no matter how long (or short) the annuitant lives. When the annuitant dies, distributions stop. There are no more distributions even if the annuitant died with principal funds left in the annuity. This option pays the highest net distribution amount of all lifetime options.
• Refund Option This option pays lifetime distributions to the annuitant, but if the annuitant dies before receiving the principal paid in, the remainder of the principal is paid to a beneficiary; either in a lump sum or in equal installments until the total of distributions equals the original principal amount when
distributions began. This option typically pays the lowest net distribution amount of all lifetime options.
• Life with Certain Period This option pays lifetime distributions to the annuitant, but if the annuitant dies within a specified period stated in the agreement (5 years, 10 years, 20, years, etc.), the annuitant’s beneficiary would continue to receive the same distribution for the remainder of that period. Example: If the annuitant chose Life with 20 Years Certain and died four years later, the annuitant’s beneficiary would continue to receive the distributions for the remaining 16 years. If the annuitant lives past the certain period, distributions would cease when the annuitant dies. This is the most popular lifetime option. • Joint and Survivor Option This option pays distributions to two people (usually couples) for as long as
both shall live. When the first person dies, the survivor continues to receive distributions for the rest of the survivor’s life. When the survivor dies, distributions cease. Depending on the option taken, the survivor may continue to receive the full distribution, two-thirds or one-half of the distribution.
Lifetime Option Taxation Taxation on a Lifetime Option is based on the exclusion ratio. It is based on funds expected to be received by the time the annuitant reaches life expectancy according to IRS tables. Funds paid in excess of this ratio are considered taxable income. If the annuitant lives to the pre-determined life expectancy age, then all future distributions will be considered 100 percent taxable income in the year received. —SPJST—
How much should I invest in an annuity?
Unlike a 401(k) or an IRA, there are no limits on the amount that you can invest in an annuity.
Whether you’re considering a deferred or immediate annuity, the amount of money you should consider putting into an annuity depends on:
• Your immediate actual and potential financial needs • Your long-term financial goals
• Your current savings/investment portfolio
• The range of alternatives available to you
Of these, the most important is your immediate actual and potential financial
needs. If you’re buying a deferred annuity and you have a sudden need for cash, you can usually withdraw a small amount without penalty. However, you’ll likely pay a penalty if you make a large withdrawal within a few years after you’ve bought the annuity. If you’re buying an immediate annuity, you usually can’t get any more than the regular payments, no matter how badly you need cash. However, if you have other sources of cash that are sufficient for any emergency or unforeseen needs, then the immediate needs criterion is satisfied and the other criteria become more important. Source: Insurance Information Institute, http://www.iii.org/articles/how-much-should-iinvest-in-an-annuity.html
What is a “free look” provision?
Most state insurance departments require insurance companies to provide a “free-look” period after you have purchased the policy. It is typically a 10-day span in which you can pull out of the contract and obtain a refund based on contract terms or state law. You should use this time to review the policy, ask
your insurance agent or stockbroker any additional questions and make a final decision as to whether the annuity you selected was right for you.
Source: Insurance Information Institute, http://www.iii.org/articles/what-is-a-free-lookprovision.html
2017 SPJST Life Insurance and Annuity Extra
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9 X 9 X SPJST Sales Agents X 9 X 9
Listing reflects Home Office records as of March 1, 2017. Use of this information for solicitation or commercial purposes is a violation of the SPJST Privacy Policy and is strictly prohibited. District number appears in ( ). LODGE 1, FAYETTEVILLE (1) Ronnie Pflughaupt 979-249-6702 rpflughaupt@hotmail.com
LODGE 4, HALLETTSVILLE (6) Joe Siptak, FIC 979-479-0056 ssiptak1@hotmail.com
LODGE 5, PILOT POINT-TIOGA (3) Dean Carender 903-564-7359 janddc@gmail.com 903-815-5628 Elise Koerner, FIC 940-391-1585 emrkoerner@msn.com Michael Munn 903-227-5969 mmmunn@gmail.com
LODGE 6, COTTONWOOD (3) Jeanette Beseda 254-717-7840 jkbeseda@yahoo.com Donald Cernosek 254-855-6800 djcernosek@sbcglobal.net Selby Holder 254-715-5742 selby.holder@tstc.edu Jerry E. Kucera, FIC 254-826-5425 jkucerains@att.net 254-749-1865 LODGE 9, SNOOK (1) Stacey Eldridge 979-272-1556 staceyslovacek@aol.com Karen Gaas 979-272-8873 karengaas@yahoo.com Bill Orsak, FIC, CFFM 979-272-1243 borsak@tconline.net 979-324-0056 Pamela Pruett 512-760-6740 ppruett@milamins.com Donnie Victorick, FIC, CFFM 979-224-3125 dv.aggie71@gmail.com
LODGE 10, SHINER (6) Tommy Pietsch 361-772-4158 tommy.pietsch@lpl.com Charles Stratman 361-798-0621 charles.stratman@lpl.com
LODGE 13, DIME BOX (1) Ladonna Jatzlau 979-884-0561 handsandbands@yahoo.com Carla West 979-540-2208 carlaw@thenitschegroup.com
LODGE 15, BUCKHOLTS (2) Scott Brandon 254-217-5118 postofficecafe201@yahoo.com Mary Helen Rodriguez 254-217-2863 honeyr1961@yahoo.com
LODGE 17, NEW TABOR (1) Susan Skrabanek, FIC 979-272-3440 spjst@aol.com 979-820-2218
LODGE 18, ELGIN (2) Betty Gaskamp 512-281-0234 bettygaskamp@yahoo.com Lorri McCrary 512-484-0946 lmccrary@mccraryinsurance.com William McCrary 512-281-6000 bmccrary@mccraryinsurance.com Margaret Taylor 512-303-0825 anntaylor777@austinrr.com
LODGE 20, GRANGER (2) Chris Warren 512-826-0563 chris.spjst@gmail.com
LODGE 23, MORAVIA (6) Elizabeth Holub 979-561-8640 mikelizh@cvctx.com
LODGE 24, CYCLONE (2) Roberta Amos 254-773-1100 ramos@fctinsurance.com Paulino Castillo 254-773-0092 paulino@texaslibertyins.com Jason Hoelscher 254-985-0347 jhoels3210@aol.com
LODGE 25, ENNIS (3) Eugene Dolezal 972-935-4363 genemillie@att.net Thomas Droste 972-965-5308 droste_t@yahoo.com Danny Dvorak 972-821-8946 crispczech@hotmail.com Linda Jurik 972-872-9997 Kay Lynn Kovar, FIC 972-875-6827 klkptl1@gmail.com Margaret Krajca 972-878-6149 jmkrajca@yahoo.com Max McIntosh 972-935-2082 maxfli@ymail.com LODGE 28, EAST BERNARD (6) Linda Bratina 832-647-9971 lindabratina@gmail.com Glenn Kaminsky, FIC 979-335-4461 g2kamin@live.com
LODGE 29, TAYLOR (2) Cristy Girod 512-468-1347 girodranch@yahoo.com Aaron Jezisek 512-639-4715 lhdcsmtx@gmail.com Albin Machu, CFFM 512-365-5489 albinmachu@hotmail.com Jesse Pospisil 512-826-7371 jlpospisil@yahoo.com Tammy Cannon 512-948-5339 tcannon4715@yahoo.com
LODGE 30, TAITON (6) Bradley Bacak, FIC 979-543-9362 bradbacak@sbcglobal.net Crystal Bacak, FIC 979-543-9362 bacak@sbcglobal.net Carolina Covarrubia 281-779-9956 carroinpink@yahoo.com Karen Kaspar, FIC, CFFM 979-332-1616 k-kaspar@hotmail.com 979-543-2532
LODGE 32, VICTORIA (6) Pamela Hughes 979-236-7398 pameladavishughes1@yahoo.com Silvia Rangel 361-571-1697 silvia_perry11@yahoo.com
LODGE 35, ELK (3) James Mann, FIC 254-715-0275 mrdudemann@yahoo.com Gene Pavelka 254-749-3326 bgpave@aol.com
LODGE 38, KOVAR (1) Johnnie J. Janak 512-237-5228 512-237-2432
LODGE 39, BRYAN (1) John Kitchens 936-396-1767 jkitchens702@hotmail.com
LODGE 40, EL CAMPO-HILLJE (6) Ardis Bacak, FIC 979-578-8907 bradbacak@sbcglobal.net Cathy Garcia 979-332-1614 clvgarcia@yahoo.com Sheldon Holub, FIC 979-543-7387 sholub@awesomenet.net
LODGE 41, PORT LAVACA (6) Franklin Jurek, FIC 361-920-9674 sajj@tisd.net 361-552-9674
LODGE 47, SEATON (2) Deanna Burt 254-718-9453 dlburtbiz@gmail.com Basia Carpentier 254-307-7556 bmec48@gmail.com David Coufal 254-986-2448 david@davidcoufalinsurance.com Frank Klinkovsky, Jr. 254-721-4076 klinkcrew@sbcglobal.net Patsy Koslovsky, FIC 254-985-2396 patsyk2011@yahoo.com Terry Malina 254-534-3311 terrylynnmalina@gmail.com Tammy Martinez 254-985-2457 tammym@spjst.com David Pechal 254-721-8370 davidpechal@yahoo.com Sharla Pechal 254-654-5661 sharlap@spjst.com Michael Seiler 254-939-0180 mseiler@farmersagent.com Dolores Skrabanek, FIC 254-985-2344 dskrabanek@embarqmail.com Lynette Talasek 254-931-0639 lynettet@spjst.com Donica Zabcik 254-749-5607 donicaz@spjst.com
LODGE 48, BEYERSVILLE (2) Donna Vanecek 512-736-5731 donnavanecek@yahoo.com Bobby Wuensche 281-352-3517 bobbyleewuensche@gmail.com
LODGE 49, ROWENA (4) Brandi Adair 325-320-7783 brandiradair@gmail.com Frances Aleman 325-977-0757 fmaleman0405@gmail.com Joan Halfman 325-442-4425 j1146@verizon.net Jimmy Jones 325-372-5522 jjins@centex.net 325-248-3579 Thomas Kirkpatrick 432-558-2777 westwindinsurance@att.net Eliza M. Rodriguez 325-949-9508 rodnewfsfamily@yahoo.com Billy Rollwitz, FIC, CFFM 325-442-3141 brollwitz@verizon.net Sylvia M. Rollwitz, FIC 325-442-3141 srollwitz@gmail.com Kenneth Rooke 325-446-3073 kenny@rthi.org Loretta Schaefer 432-397-2483 schhal@crcom.net Richard Sonnenberg 325-718-8445 rickster@wtxs.net Beverly Teplicek 325-442-4841 bjtep@verizon.net
LODGE 51, ELLINGER (1) Edna Bergfeld 979-732-3776 ednabergfeld@txun.net Fausta Kaiser 979-732-1386 eweknoit@yahoo.com 979-732-5030
LODGE 54, WEST (3) Freddie Kaluza 254-826-3534 fjkaluza@txun.net 254-709-2303 Janice Kaluza 254-826-3534 254-749-5676 jankaluza@aderholdfuneralhome.com Jean Martin 254-854-2833 bwmartin@windstream.net Wilburn Willis, FIC 254-799-5394 wilburnwillis@aol.com
LODGE 66, WACO (3) Kim Allen 254-709-1227 mustang_2501@yahoo.com Richard Allen 254-339-9375 finalexpenseagency@yahoo.com Ruby Clayborne 254-799-4790 rubyclayborne@aol.com Kaelyn Dillard 254-694-7800 Randolph Dillard, Sr. 254-694-5099 John Engelke 254-717-7534 john.engelke@hotmail.com Johnnie Gaidusek, Jr. 254-934-2527 rvos@windstream.net 254-709-5976 Justin Gaidusek 254-718-8212 justin@rolloinsurance.com Christine Galysh 254-754-5174 Denise Gay 254-722-0763 Joel B. Gay 254-836-1039 joby@triplansolutions.com Kevin Hannes 254-733-4914 khannes@grandecom.net Randy House 254-749-4636 rhouse3407@gmail.com Larry Matula 254-822-1550 agency@matulainsurance.com Michael Thompson 254-717-9008 t2fans@aol.com Sammy Tull 254-857-8600 sjtrmtull@gmail.com Donnie Turnbough, Jr. 254-652-0707 turnbough97@yahoo.com Nelson Washington, Jr. 832-508-1507 ultimatetaxsolution@gmail.com Brian Willingham 254-315-2575 brian.cougar@yahoo.com
LODGE 67, SCHULENBURG (1) Adrienne Kobza 979-561-8237 akobza@cvctx.com
LODGE 76, WICHITA FALLS (4) William Ibarra 940-642-6149 wibarra60@hotmail.com Holly Cox 940-674-5554 hometowninsurancechildress@gmail.com Ray Esparza 940-766-0472 albarosalinda@gmail.com Ezekiel R. Garcia 940-782-3943 Jocelyn Reaves 940-257-9114 jocelyn@bunkleyandjones.net Laramie Reaves 940-257-9117 laramie@bunkleyandjones.net William Waddle 940-569-2934 wmwaddle@nts-online.net Katy Williams 806-202-3925 kwilliamsins@gmail.com LODGE 79, CORPUS CHRISTI (7) Carlos Benavidez 361-739-5907 ccarlosgb3@aol.com Eligio Cueva 361-389-2444 evcueva@hotmail.com Francisco Dheming, Sr. 361-561-7658 Armando Diaz 361-945-2790 armandovdiaz@aol.com Becky Flores 361-945-2695 bowflo@yahoo.com Elida Flores 361-852-0749 floresm380@cs.com Amiel Garcia 361-438-1860 abengar@msn.com
14
Cynthia Gomez 361-534-9490 cynthiagomez922@yahoo.com Darel Jaramillo 210-685-6830 ddjii@hotmail.com Ralph Juarez 361-537-5506 juarez2112@aol.com David Knapp, LUTCF 361-765-4646 dckltc@yahoo.com Oscar Longoria, LUTCF 361-325-3551 osamlong@yahoo.com Javier Mora 361-549-0116 javier62m@gmail.com Lance Morck 361-904-6241 l_morck@yahoo.com James Newton 956-251-5076 goldjim79@gmail.com Armando Perez, LUTCF 361-814-0314 asperez6040@hotmail.com Abel Reyna 361-547-0064 ab3rey@aol.com Gail Sanchez 361-876-6669 sanchez.gail@att.net Jerry Sijansky, FIC 361-853-1227 jaquayj@wildblue.net Viola Thrasher 361-425-3699 elder_nmbr4@yahoo.com Eva Vasquez 361-765-3258 elvasquez54@yahoo.com Deborah Whittington 361-939-7588 dawhittington@sbcglobal.net Donney Zumwalt 361-815-3595 donneyzumwalt@yahoo.com LODGE 80, HOLLAND (2) Vicki Benner Slye 254-657-2628 vslye@embarqmail.com Frank Horak 254-657-3018 f_horak@yahoo.com Joe W. Liles 254-657-2488 joelilesrvos@gmail.com 254-913-7674
LODGE 81, NEEDVILLE (5) Amber McDonald 832-731-7275 mcdonaldtx05@yahoo.com Seth Sacra 281-782-9020 seth@needvilleinsurance.com Bradley Stavinoha 979-793-2386 979-793-4364 bradley@needvilleinsurance.com
LODGE 84, DALLAS (3) Thomas Athas 817-521-6662 thomasathasagency@msn.com Lynda Novak 972-948-4456 magiclady_46@hotmail.com
LODGE 87, TEMPLE (2) Betty Barton 254-624-6276 Karin Bryant 254-338-3275 allyourinsuranceneeds@centurylink.net Billye Westlake 254-913-3087 billyew@spjst.com
LODGE 88, HOUSTON (5) Carolyn Filipp Beseda, FIC 281-546-7941 cffilipp@earthlink.net Michelle Braud 225-806-4344 mlbraudinsurance@gmail.com Helen Hegwood, FIC 713-864-0489 Vincent Hegwood, FIC 281-358-7312 vincent.hegwood@insperity.com Mildred Holeman 713-691-6434 mmholeman@yahoo.com 713-305-7895 Janice Jahns 281-615-5046 wjahns@sbcglobal.net Nathan Johns-Sullivan 713-557-2550 nathan.johns@infiniteyoulife.com Ana Latigo 713-385-0590 avlatigo@yahoo.com Margaret Norris-Guerrero 832-492-1729 margaretguerrero@hotmail.com Larry W. Pflughaupt, FIC 713-864-2163 lpflugh@aol.com
2017 SPJST Life Insurance and Annuity Extra
LODGE 91, SAN JACINTO (5) Tommy Ganaway 281-204-7211 tommyganaway@gmail.com Charles Thomas, Jr. 832-687-1099 charlesintx@gmail.com Vickie Wilkinson 281-446-0467 vickiewilk@netscape.net
LODGE 92, FORT WORTH (3) Thomas Brown 940-321-8717 tabrown@charter.net David Ford 817-239-6547 fordclu@sbcglobal.net Gordon Hubenak 817-498-3905 Holly Hubenak Anderson 817-337-0964 hhubenak@coppellisd.com Kenneth Krivanek 817-237-4120 Liborio Saldivar 817-987-7471 saldivar07@netzero.com
LODGE 97, PLACEDO (6) Gay Revel, FIC 361-649-4443 gayrevel@gmail.com
LODGE 107, FLORESVILLE (7) Bob Bayer, FIC 830-393-2872 Wendy Pruski, FIC 210-535-4916 poohbear78064@hotmail.com Cynthia Puig 956-489-4995 cpuig1@gmail.com Linda Rodriguez 830-393-2229 thuney@floresville.net Miguel Rodriguez 210-375-2131 mgrodriguezjr@yahoo.com Jesus Romero 956-763-4498 javr4@stx.rr.com Melvin Strey 830-420-3185 mstrey@gvec.net Ronald Thuney 830-393-6729 thuney@floresville.net
LODGE 117, ROBSTOWN (7) Sylvia Ballin 361-563-0800 saballin49@yahoo.com
LODGE 130, DALLAS (3) John Vrla 214-906-3385 jvrla@cebridge.net
LODGE 133, SAN ANTONIO (7) Theodore Aanderud 210-639-6313 aanderudte@aol.com Evangeline Cisneros 210-264-8045 vangiecisneros@yahoo.com Maria C. Garcia 210-531-9949 mcb1315@msn.com 210-861-4985 Yvette Garza 210-784-9876 yvette_grz@yahoo.com Adilia Giron 210-865-5639 adiliagiron@yahoo.com Beatrice Gutierrez 210-386-4708 bgutierrez524@yahoo.com Veronica Hernandez 210-454-5456 petalo1628@hotmail.com Gloria Larrotta 210-421-2585 gloriacristinalarrotta@gmail.com Laura Martinez 210-789-1061 lauramaguilar07@yahoo.com Martha Mier 210-480-0883 pattymier0883@gmail.com Antonio Morales 210-501-4751 af.morales@att.net Rosa Morales 210-383-9275 rosa57@sbcglobal.net Jarolyn Popp, FIC 830-964-5135 jarolynpopp@gvtc.com Victor M. Ramirez 956-844-1136 vicr49@yahoo.com Nathan Strickland 979-966-9519 nathan.strickland@cfdinvestments.com Maria Reyes 210-412-0161 maryreyes2800@gmail.com Aracely Varela 210-320-5200 chela@grandecom.net Indra Votion 210-386-3383 indracm@yahoo.com.mx
LODGE 139, DANBURY (5) Justin Smith 979-215-9667 justinlsmith_1@yahoo.com Larry Strebeck 979-922-8000
LODGE 141, SEALY (1) Rick Martinez 979-885-4900 martir19@hotmail.com John Simpson 713-818-9800 817@catspringvfd.com
LODGE 142, HOUSTON (5) Kerry Herrington 281-704-5737 kerryherrington@yahoo.com Catherine Manchack 281-893-8107 cmanchack@yahoo.com Valerie McKnight 832-397-7493 valerieclark.colonial@gmail.com
LODGE 151, WHARTON (6) Monica Barcenas 832-375-4927 barcenasagency@gmail.com Charles Bucek, FIC 979-335-4118 ccbucek@yahoo.com Ray Pilgrim, FIC 979-543-3754 hrpilgrim@sbcglobal.net
LODGE 154, FORT WORTH (3) Fred Flores 817-724-7673 fredgflores@gmail.com Sheri Humphreys 817-925-2327 sm.kh@prodigy.net Joseph Steinman 817-624-1760 sokolfw@yahoo.com
LODGE 155, AUSTIN (2) Minerva Leos 512-945-0284 leos.minerva@yahoo.com Ricky D. Rodriguez 512-591-4022 sirricrod@yahoo.com
LODGE 157, LUBBOCK (4) Paul Harwood 806-681-9701 peharwood55@yahoo.com Cynthia Kristinek 806-632-2432 cjkristinek@yahoo.com Julian Ramirez 806-535-8799 jvramirez@mail.com LODGE 160, SAN ANGELO (4) Bobby G. Davis, FICF, CFFM 325-450-3748 bgdsr2428@aol.com Leonard A. Jansa, FIC 325-651-8045 ljansa13@gmail.com Ryan Jansa 325-234-5879 jansa@wtxs.net Patti Pool 325-949-8499 pattipool@yahoo.com Lydia Talamantez 325-262-9743 lillyg636@yahoo.com Sam Tambunga 325-944-8836 sam@samtambungains.com
LODGE 162, IOWA COLONY (5) Wardell Starling 281-250-8168 strlnganit@aol.com William Reynolds 832-882-4660 williamreynolds9@gmail.com
LODGE 169, BRENHAM (1) Nello Strickland 979-451-3229 ndstrickland@yahoo.com
LODGE 171, LOCKHART (1) Carol Castillo 512-787-3430 carol@the-insurance-team.com William “Bill” Cleveland 512-488-2282 billc@the-insurance-team.com Carlos Eureste 512-227-1949 eurestelinda@yahoo.com Linda Eureste 512-376-0104 eurestelinda@yahoo.com Milagros Graham 512-412-2271 spjstmilagros@gmail.com Tracy Kennemer 512-227-4203 tracy@the-insurance-team.com
Dana Murray 512-227-1488 dana@the-insurance-team.com Gloria Peralez 512-749-5551 cristal@the-insurance-team.com Clint Roberts, FIC 512-398-6755 clint@the-insurance-team.com Kelsey Schawe 512-376-5141 kelsey@the-insurance-team.com Kenneth Schawe 512-398-4433 ken@the-insurance-team.com Carrie Staton, FIC 512-738-0801 LODGE 172, PASADENA (5) Sophia Rainey 713-775-4698 sophia.rainey@yahoo.com
LODGE 177, ACADEMY (2) Kathy Kruger 254-718-9037 kfmay1959@yahoo.com Nancy Miller 254-983-0011 nancym@spjst.com
LODGE 178, LONGVIEW (3) Ronnie Ballard 903-785-0467 ronnie@ballardinsurance.net Vicki Ballard 903-785-0467 vicki@ballardinsurance.net David Cotham, Jr. 903-736-4637 cotham75605@yahoo.com Robert Lessmeier, II 903-452-8989 rlessmeier@gmail.com Fredrick Miller, Jr. 903-639-1990 lonewolf-insurance@insurer.com Larry Quinn 903-753-8338 larrydquinn@aol.com Lee Ann Shinn 903-539-3369 lashi@suddenlink.net Gwendolyn Walsh 903-639-3159 talleagle426@yahoo.com
LODGE 179, WARRENTON (1) Ricky Weyand 979-249-5679 rickylw59@yahoo.com
LODGE 180, BURLESON (3) Nancy Kelly 817-558-7347 nanolesgem@hotmail.com
LODGE 181, CONROE (5) Charles Toney III 281-362-9062 cdtiii@toney.us Barbara Williams-Rash 936-295-7778 b.d.willrash@att.net LODGE 183, ARLINGTON (3) Sabino Garcia 817-909-8899 garciasabi@att.net Eugene Havran 817-467-3010 eugenehav@yahoo.com Ray Jordan, Jr. 817-477-7351 rjordanw2000@live.com Kattia Lange 786-285-4779 kzucchetti@gmail.com Arnoldo Lerma 682-438-4693 lerma13@gmail.com Daniel Roznovsky, FIC 972-252-6763 droz1@verizon.net Rhonda Steelman 972-294-1043 rsteelman@rvosagent.com Katherine Weeks 817-896-5277 kgweeks@att.net
LODGE 185, NEW BRAUNFELS (7) April Howard 830-626-3303 ahoward@pta-usa.com Lynette Kitchen 210-289-0075 lynettekitchen@gmail.com
LODGE 186, CALDWELL (1) Thomas Cannon 979-567-4264 jtcannon60@hotmail.com Margaret Haisler 979-219-1983 margarethaisler@hotmail.com Samuel Johnson 979-575-1151 seniorplans@yahoo.com Michelle Mendez 979-567-9144 mrmendez66@gmail.com Victor Mendez, Jr. 979-567-9144 mrmendez66@gmail.com
LODGE 187, ROUND ROCK (2) Christopher Giesenschlag 830-385-6955 cgiesenschlag94@gmail.com Rubie M. Volek, FIC 512-771-4948 rubiebr@sbcglobal.net
LODGE 188, CENTERVILLE (1) Sharon Carrigan 979-828-5249 Belinda Liner 979-280-0221 gailfbc@windstream.net Rhonda Stover 979-828-5041 rsins@valornet.com
LODGE 189, BRYAN-COLLEGE STATION (1) Frank Bosquez, Jr. 979-739-6884 Jan Johnson 832-875-0953 janjohn65@cs.com Henry P. Mayo 979-693-5818 hpmayo@gmail.com Stephanie Perez 979-574-4072 bunneytrail13@gmail.com James Schroeder, LUTCF 936-661-2294 jschroeder55@suddenlink.net Uldric Zemanek, Jr. 979-822-3277 buddyzmf@verizon.net
LODGE 191, LUFKIN (5) Doyle Oliver 936-366-0386 doyleoliver@consolidated.net
LODGE 196, HOUSTON-WEST (5) Deann Beckendorf 254-275-8028 joh.becken@yahoo.com Mary Bird, FIC, CFFM 832-851-5466 maryebird@att.net Mark Childres 832-496-6646 childresins@att.net Delisle Doherty 832-232-2049 delisled@sbcglobal.net Larry Felder 832-493-1125 larryfelder@rocketmail.com Donald Fruin 832-651-5388 dfruin@fruinandassociates.com Cecil Penright 281-820-3677 cpenright@yahoo.com LODGE 200, BRUCEVILLE-EDDY (2) Randall Cortasie, Jr. 254-230-5807 randallcortasie93@yahoo.com Sandra Garrett 254-938-2424 garrett.sandra1231@yahoo.com Gene McBride 254-228-6465 gmcbride38@yahoo.com David Nauert, FIC 254-534-0809 davidnauert@usa.com
LODGE 202, JOURDANTON (7) Janice Favor 830-429-3090 jfavor1@satx.rr.com Cheryl Henry 830-570-0100 cghenry@directv.net Chester Gail Lee 830-579-4714 cgrlee@sbcglobal.net Linda Ramey, FIC 830-393-3320 linda@rameyins.com Catherine Sadler 210-776-2371 sadlercj@hotmail.com
LODGE 204, STEPHENVILLE (3) Norman Kneschk, FIC 254-386-3222 normk@htcomp.net Philip McBee, FICF, CFFM 325-647-1949 philipmcbee@aol.com Floyd Pierce 254-965-5953 sklpierce@hotmail.com Sandra Pierce 254-485-5801 sklpierce@hotmail.com
LODGE 206, TRI COUNTIES (3) Melissa Pew 254-729-5005 mcpew@yahoo.com LODGE 207, IOWA PARK (4) Dennis Kotulek 940-855-0882 dkotulek@clearwire.net Joyce Kotulek 940-855-0882 dkotulek@clearwire.net
2017 SPJST Life Insurance and Annuity Extra
LODGE 215, SOUTH PLAINS (4) Laura Cordero 806-292-9086 turpenagency@gmail.com Cynthia Flores 806-293-2651 cindy_er2006@yahoo.com Leah Flores 806-293-2651 leahflores_101@hotmail.com Roxanne Garcia 806-518-4801 roxyg79072@gmail.com Pamela Lehmann 806-535-8356 plehmann@poka.com Will Carson Lehmann 806-441-2636 wcwl19@poka.com Johnie Turpen 806-543-0433 ragmando@yahoo.com Johnie Turpen, II 806-895-4448 ragmando@yahoo.com Melissa Turpen 806-293-2651 ragmando@yahoo.com Janeece Williams 806-632-5239 jkraa5@yahoo.com
LODGE 219, EL PASO (4) Ana Ahumada, FIC 915-867-8007 anajahumada@gmail.com Ana Albo-Bonilla 915-694-0846 ana.albo@lycos.com Jesus Alvarado 915-630-6745 alvarado7905@yahoo.com Sally Arreola 915-253-2235 sallyarreola@yahoo.com Bertha Avila 915-203-2684 berthaavila5@gmail.com Gloria Avilez 915-892-8529 gloriaavilez@aol.com Lucia Burgos 915-346-5829 servicios@prodigy.net Eileen Carbajal 915-999-7723 eileencarbajal@yahoo.com Adolfo Chabre 915-504-5493 achabre@gmail.com David Corral 915-274-2451 snl092591@yahoo.com Angelica Cuevas 915-490-2184 ascuevas2009@yahoo.com Sandra Del Socorro Cortez 210-287-6186 sancarballo@sbcglobal.net Hilda Escajeda 915-328-4915 escajedahr@yahoo.com Rosario Fernandez 915-539-5634 rffernandez800@gmail.com Gloria Fierro 915-999-7592 gloria.fierro74@gmail.com Rosa Flores 915-626-7376 rosisela512@hotmail.com Gerarda Grajeda 915-926-0440 mayela0440@gmail.com Luis Grajeda, Jr. 915-867-3399 lsgrajeda@yahoo.com Julian Guedea 915-926-9503 guedeag@yahoo.com Gloria Guzman 915-588-9815 epgguzman@yahoo.com Maria Jaime 915-887-7542 pjaime13@yahoo.com Sandra Landavazo 915-490-0110 jasland2301@gmail.com Reynaldo Lopez, Jr. 915-667-3702 rlopezjr88@yahoo.com Elizabeth McKula 915-843-7578 emckula@gmail.com Mariana Molina 915-892-1150 qualityautoins@gmail.com Carmida Nevarez 915-208-1828 midanevarez@gmail.com Michelle Noriega 915-241-3305 mnoriega2@yahoo.com Virginia Noriega 915-526-6984 Baltazar Nunez, FIC 915-584-8484 onebestidea@yahoo.com Leticia Quinones 915-253-6297 lety2alpha2371@gmail.com Teresa Quinones 915-706-7751 quinones.taryn@yahoo.com Jesus A. Perea 915-494-1009 Julio Rangel 915-856-3619 rangeljr7@yahoo.com
Juan Reyna 915-256-4346 juanreyna56@yahoo.com Jose Regalado 915-490-6040 joseregalado@yahoo.com Alejandro Rivas 915-857-7216 alex_rrivas@yahoo.com Arnulfo Rivera, FIC 915-630-8074 arnulfok5@yahoo.com Bertha Rodriguez 915-217-8992 Garbiela Sanchez 915-494-0064 gscosme4u@yahoo.com Rafaela Silva 915-613-7805 trinityinsurance@rocketmail.com Sergio Vazquez 915-243-9726 sergiovazquez21@hotmail.com Francisco Viniegra 915-203-3124 francisco.viniegra@yahoo.com LODGE 226, CORSICANA (3)* Maci Corder 903-340-7779 macicorder11@hotmail.com Denise Brown 903-874-5242 joepeg@sbcglobal.net Doris Horne 254-722-9760 dhorne822@aol.com Oda Ruth Martin 903-425-4842 odamartin@hotmail.com
LODGE 229, ABILENE (4) Tammy Copeland 325-333-4089 t.copeland45.tc@gmail.com Jesusita Hudson 325-370-0573 suziqandlvh@yahoo.com Jerry Wayne Macek 325-721-1877 Jerry O’Briant 325-235-2671 hoehand2@sbcglobal.net Antonio Prieto, Jr. 325-340-7830 tonyprieto64@yahoo.com Kathleen Ramos 432-425-1163 kathy_711up@yahoo.com Mark Smith 325-572-4288 mark7smith@hotmail.com Janice Stevens 325-537-9224 janstevens1948@gmail.com Linda Tipton 254-485-3289 tipton.ll@hotmail.com LODGE 230, MIDLAND (4) Olivia Madrid 432-349-9378 omadr4@aol.com Velia Mestas 432-336-5200 frankva@sbcglobal.net Diana Ramirez 432-889-8487 Anabel Sierra 432-661-7299 sierra.anabel@yahoo.com Jimmy Slatton 432-683-0812 jimmyslattonsworld@yahoo.com
LODGE 232, HOUSTON MIDTOWN (5) Chris Liebum, LUTCF 832-252-9413 chris@celinstx.com Cecil Roberts, FIC 832-256-9483 cecrobie@sbcglobal.net Clay Zapalac 281-750-2920 ctzapalac@gmail.com
LODGE 234, LULING (1) Boyd Maxwell 830-875-3244 rob1956@att.net
LODGE 238, GOLDTHWAITE (4)* Kim Wesson 325-648-3065 kwesson@centex.net
LODGE 242, AMARILLO (4)* Lesa Browning 940-585-4625 tellgatelb@yahoo.com Helen Lambert 940-937-2077 slins79201@sbcglobal.net
LODGE 246, MORGAN’S POINT (2) Tamara Gettys 254-598-2831 tamarag@spjst.com James Hutto 325-247-5918 terry@huttoins.com James Lee, III 254-289-6816 jameslee.three@gmail.com
15
Don Miller 254-760-3726 don@texianinsurance.com Michael Miller 254-913-6641 mmiller10@farmersagent.com Marissa Salinas 254-220-9240 marisal0525@yahoo.com Mary Shockley 325-277-6467 m2sweet22@yahoo.com
LODGE 256, DENVER CITY (4)* Dennis Haralson 432-758-5886 dennis@moore-haralson.com Susan Leach 806-592-9184 susan.leach@mustang-insurance.com
LODGE 258, SEGUIN (7) Dominga Esquivel 512-396-0642 dotesquivel@hotmail.com Chester Jenke, Sr., FICF 830-303-4316 jenkec@att.net Colleen Jenke 830-303-4316 jenkecw1@aol.com Kurt Strey 830-779-2238 kurt@streyinsurance.com 210-912-0850 LODGE 264, PLANO (3)* Dennis Bradford, FICF 972-215-6999 dbradford42@yahoo.com LODGE 265, ODESSA (4)* Stanley Huffty 432-638-1681 stan_readydrill@yahoo.com
LODGE 272, DEL RIO (4)* Loida Arellano 830-469-9789 loidaac26@yahoo.com Taide Blas 830-719-6899 Nirma Bustamante 915-726-4485 nirmainsurance@gmail.com Maribel Canela 830-374-2844 mlcanela@yahoo.com Juan Diego 830-719-9342 diegoj@wcsonline.net Ayde B. Garcia 830-422-2887 monalisa_2205@hotmail.com Cynthia Hargrove 830-313-2776 cindyaubry21@aol.com Louis Hinojos 915-471-2930 louis.hinojos@yahoo.com Tammy Hyslop 830-734-1048 tammyhyslop@hotmail.com Maria Mendoza 915-920-8769 imary60@yahoo.com Lutgarda Merencio 915-822-4623 kakevaka1@yahoo.com Theresa Murray 830-313-0975 tmurray3@sbcglobal.net Aracely Quiz 915-999-2062 timbadancestudio@gmail.com Martin Olvera 830-298-7672 Salina Raymond 210-849-4742 ins.box1@gmail.com Priscilla Tovar 210-367-6783 priscilla.tovar@gmail.com Rolando Vargas 830-469-9003 rgvargas@live.com —SPJST—
TRUST
Trust doesn’t just happen. It’s a caring relationship established over time. For 120 years, SPJST has worked to earn the trust and ensure the financial security of its members and demonstrate its fraternal commitment to the communities where SPJST members live, work, and play. Member benefits include: ★ ★ ★ ★ ★ ★
Life Insurance, Annuities and IRAs Statewide Youth Program Summer Camp at the SPJST Education and Nature Center Scholarships: More than 70 awarded statewide in 2016 Community Service Through 101 Statewide Lodges Projects That Celebrate American Patriotism and the High Ideals and Heritage of SPJST’s Czech-American Founders
SPJST Fraternal Life Serving Texas Families Since 1897
Home Office at 520 N. Main in Temple, Texas SPJST offers life insurance and fraternal benefits that make a positive difference in the lives of our members and in the communities where SPJST members live, work, and play.
For membership information, contact the SPJST Home Office at 520 North Main Street in Temple, Texas or online at spjst.org or by telephone at 800.727.7578.
VĚSTNÍK
Lodge Letters
Continued from Page 8.
Lodge 92, Fort Worth invites all to upcoming activities
Please join fellow lodge members and friends for these upcoming activities at SPJST Lodge 92, Fort Worth National Hall, 3316 Roberts Cut Off Road. Everyone is welcome!
Friday, March 10—Tanglefoot Ballroom Dance, 8 to 11 p.m. $10 members; $17 non-members Sunday, March 12—Lodge 92 monthly meeting, 2 p.m. Tuesday, March 14—Ladies Circle, 10:30 a.m.
Tuesday, March 14—Game night at Lodge 92 begins at 7 p.m.
Tuesday, March 28—Game night at Lodge 92 begins at 7 p.m.
Upcoming lodge events and rental information are available from Event Manager Jon Durham 817-624-1361 or visit www.nationalhallfortworth.com. Fraternally, Angela Paprskar Casteel Reporter —SPJST—
Lodge 141, Sealy members enjoy Valentine meal
The February meeting was originally scheduled to be held at Gordon Memorial Library; however, since it was Valentine’s Day, President Rick Martinez offered to treat us to a meal at Tony’s. Thank you, Rick and Dora, for this unexpected treat. The meeting began with the Pledge of Allegiance led by President Rick Martinez. This was followed by the roll call of officers. Secretary Bernice Stolarski reported that no minutes were actually taken at the Christmas social. Eleven members had enjoyed the meal at Tony’s provided by the lodge. Treasurer Freda Jemela gave the financial report. After her report, Secretary Bernice talked about the enhanced premium refund our lodge had received from the Home Office, and the check
was given to the treasurer. New and transferred members to Lodge 141 were voted on and approved as well as donations to Gordon Memorial Library and 100 Pennies Scholarship Fund Drive. The meeting closed, and members then enjoyed their “valentine” meals and fellowship. Bernice Stolarski Secretary —SPJST—
Lodge 151, Wharton meets Tuesday, March 14
SPJST Lodge 151, Wharton will hold its quarterly meeting on Tuesday, March 14, 2017, at Wharton Depot Museum, located at 100 Sunset Street in Wharton. We changed our quarterly meeting from the second Monday to the second Tuesday so some of our members could attend an important event in El Campo which is always held on the second Monday in March. A light meal will be served at 6:30 p.m. Please RSVP by Wednesday, March 9 to Carolyn Bucek at 979-5321910 if you plan to attend. Members with birthdays in January, February, and March will be honored. Please note the date change. Fraternally, Janie Bucek Secretary/FAC —SPJST—
Lodge 202 Jourdanton announces scholarship
Attention: All Lodge 202, Jourdanton Graduating Seniors— All Lodge 202, Jourdanton graduating high school seniors are encouraged to apply for the local lodge scholarship. Please call Youth Leader Regina House at 830-570-2046 for an application. —SPJST—
Ladies Circle of Lodge 92 Fort Worth
In the spirit of Valentine’s Day, almost everyone was in red and the 40plus attending had a “sweet” time. There were gifts of valentine cards, candy, and the selection of our Sweethearts for the day. Each member picked a chocolate from a larger chocolate heart. Three of the smaller candies were marked as sweethearts pieces. The winners were Norma McLendon, Shirley Martin, and Lucy Martinez. They each received candy and reigned with dignity (smile). Beautiful ladies inside and out! President Cathy Simmank opened the meeting with the Pledge of Allegiance,
Wednesday, March 8, 2017
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a moment of silence in memory of those we’ve lost over the past month, and the welcoming of our visitors - Gayle Krengel and Jan Taborsky. Janet Basham presented the thought for the day. Secretary Joan read the minutes (which were corrected) and thank you letters from the Food Bank of Tarrant County and Meals on Wheels for donations made last month. The financial report was given by Margaret Laymance. Marlene Bass sent cards to several of our members who have been ill, in the hospital, and unable to attend. And, there were numerous sympathy cards sent to the families of those we’ve lost as well. The Ladies of the Circle are small in number but so kind, thoughtful, and generous. We have several projects that we work on year round, and I’ve mentioned them before. We have been collecting items in honor of our beloved Gloria Farek. Once again, Lisa Juran delivered “Gloria’s Gifts” to Our Lady of Victory and St. Andrews Catholic School. There were 357 Box Tops for Education for Our Lady of Victory, and 69 labels for Education and 862 Coke Rewards went to St. Andrews Catholic School. Lisa also delivered school supplies to Castleberry Elementary School. Can tabs are in the mix somewhere as well. Lisa reported recipients were very grateful, and there were smiles all around. Thank you, Lisa, for willingness to represent us in these endeavors. Also this month, we collected toiletries for women in crisis for use at Safe Haven.
Lodge 160, San Angelo members gather for February meeting and dinner
Lodge 189 Bryan-College Station meets this Sunday
Lodge 189, Bryan-College Station will meet Sunday, March 12, 2017, at C&J Barbeque, located at 1010 South Texas Avenue in Bryan. Presentation of 50- and 75-year pins is planned. The lodge is not providing a meal but welcomes all lodge members to visit and eat together at the reserved table, prior to the start of the meeting at 2 p.m. For more information or directions, contact President Henry Mayo at 979777-1426 cell/text. Henry Mayo President —SPJST—
Lodge 160, San Angelo met at the Old Gin Steak House on February 22, 2017, at 6 p.m. We discussed upcoming plans for Join Hands Day. All officers and 10 guests were present. Pictured are, left to right, Charlene Dusek, Sandra Jansa, Betty Schwartz, Leonard Jansa, Dewyan and Nancy Weise, District Four Director Billy Rollwitz, Sylvia Rollwitz, and Sharon Hohmann. —Submitted by Brenda Holik, FAC
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Marlene Bass was our liaison with that project. The mantra is “keep the trash coming!” Next month we will celebrate Saint Patrick’s Day by wearing green. We will also have friends of Sandi Celusniak coming to entertain us with their music. All are welcome and encouraged to bring a friend if you wish. Our birthday girls for February were celebrated - Shirley Martin and Pauline Morbitzer. Pauline thanked everyone for their thoughts and prayers during the recent loss of husband Don, and Shirley stated it was great to be a part of this group. The rest were missing in action. A belated happy birthday and wishes for another grand year are sent to Madeliene Myers, Linda Palmer, Brenda Lackey, and Bobby Shropshire. Lucy Martinez brought a large gift basket to auction off after lunch. Those
baskets are our way of putting a little cash into our kitty. Jeanette Tesar was the lucky winner. There were 16 door prizes after which show-and-tell took place. The blessing for lunch was given, and hostesses Evelyn Scaff, Lucy Martinez, and Theretta Praslicka set a wonderful table. There was something from every item on the food chart. Good stuff! I know I have probably forgotten something important, but I hope not. The Lenten season is upon us and remains to be a time for reflection and contemplation. Let’s always be thankful for what we have and share the love of our Savior in life’s journey. Respectfully submitted, Joan Simek Shropshire Secretary —SPJST—
2016 Fraternalists of the Year Dorothy Kucera
Lodge 6, Cottonwood • District Three
Dorothy has been an SPJST member for 25 years. She is married to Jerry Kucera, and they have five children, Jerry Kucera, Jr., Monica Ferguson, Paul Kucera, Steven Kucera, and Angela Thompson.
Lodge and Community Service • SPJST lodge reporter • Donated items to raffles for youth • Donated prizes for picnic raffle and auction
• Worked the plates to-go and collected money in the hall for the lodge picnic • Cooked meals for lodge meetings • Collected auction items in town for picnic • Delivered all picnic flyers to businesses • Organist for St. Mary’s Church • St. Mary’s Church Treasurer • Played for funerals in all West area churches • Played for weddings in all churches • Member of CDA, KJZT, Altar Society, and Avon Representative • Sold cemetery plots to people in need • Donated food on regular basis to food pantry • Worked with Goodwill
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SPJST Youth Section
The deadline for all Vestnik items is 5 p.m. the Wednesday before the publication date. Send your news and photos directly to: SPJST Vestnik Editor Melanie Zavodny P.O. Box 100, Temple, Texas 76503 Fax: 254-773-8087
Email: vestnik@spjst.org Questions? Call 800-727-7578
This section is dedicated to the youth of SPJST. As part of its membership benefits, SPJST offers a statewide youth program. If you or someone you know is interested in learning about opportunities offered to young members of SPJST, please contact your local lodge, District Youth Counselor, State Youth Director at 800-727-7578, or visit www.spjst.org.
District Two Youth Spring Meeting Sunday, March 19 Lodge 177, Academy
Dear Members, The District Two Spring Meeting will be held Sunday, March 19, 2017, at SPJST Lodge 177, Academy. The meeting will be hosted by Lodges 87, Temple; 200, Bruceville-Eddy; and 246, Morgan’s Point. This is true fraternalism, seeing four lodges getting together to host this meeting! Registration will be from 1 to 2 p.m. with the meeting beginning at 2 p.m. This year’s project will be a “Decorated Rock Contest” for all youth members.
The criteria is that the rock must fit in the palm of your hand, and you can decorate it however you’d like. You can find the rules on page 38 of your handbook. I hope each of you will participate. Participation money will be given along with first, second, and third places in each age category. At the last district fall meeting, our Director Jesse Pospisil stated he would add an extra $15 for first place winners in each age category. Okay, Director Jesse - we are taking you up on your offer! We thank you for your continued support of our District Two Youth Program. You are fabulous! We will once again have a silent auction. This year’s proceeds will go towards the cost of each youth’s camp form being filled out online. The fee is $5 per person and when we add that to
Lodge 30, Taiton Youth Make Valentines for El Campo Retirement Center Residents
Charles Lynn Bucek, Sr.
Lodge 151, Wharton • District Six
Charles has been an SPJST member for 72 years. He is married to Charlotte and their children are Patricia Shaw, Joan Grudziecki, Monica Rosen, Christopher “Chris” Bucek, Charles “Chuck” Lynn Bucek, Jr., Michael Pilcik, and Todd Pilcik.
Lodge and Community Service • SPJST lodge vice president • SPJST sales agent
• S.P.J.S.T. District Six Rest Home Director • Visited S.P.J.S.T. Senior Living Centers in local area on regular basis • SPJST District Six Insurance Committee Member • Member of East Bernard City Council, Alderman, Position 5 • Member of Lions Club, American Legion Post 226, Holy Cross Catholic Church, and Knights of Columbus Council No. 2500 • Volunteered for community fundraisers • Member of Wharton County Czech Heritage Society of Texas
Lodge 30, Taiton Youth Club members are pictured with the valentine cards they made for the residents at El Campo Retirement Center. —Submitted by Kirby Lange, Assistant Youth Leader
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100 attending, the silent auction will help tremendously. We appreciate your bringing an item or two for the silent auction and thank you in advance to all the bidders. The SPJST statewide food drive is boxes of cereal. We challenge each lodge, adult, and youth to bring boxes of cereal. If each of you attending will bring at least one box, think of the number of people it will feed. All cereal will be donated to a local food pantry. Let’s make this challenge work and get each lodge’s picture in the Vestnik with your donation. For each box you bring, your name will go in a drawing for a $25 gift card. I am so excited to see if we can collect well over 100 boxes. Come on District Two, let’s help feed those who are in need. Youth members who are interested in serving as a District Two Flag Bearer, please let me know as soon as possible. You will be asked to participate at District YAD and fall and spring meetings. Tyson Bilbrey (Lodge 47, Seaton) and James Teague (Lodge 20, Granger) are our 2016-2017 Flag Bearers, and they have done an excellent job. Thank you, boys! The business meeting will consist of electing adult district officers, including the flag bearers. Lodges will be recognized as will the SPJST sales agents. I hope to see you on March 19 in Academy. The lodge is off Highway 95 to the right, just before the big bridge. Door prizes will be awarded, and a delicious pork loin meal and all the trimmings will be furnished after the meeting for the cost of $3. Things To Bring • Boxes of cereal • Items for the silent auction • Decorated rock (youth only) • Decorated Easter Egg (adults only) • Dessert for the meal
Wow! It’s worth the trip! Please come! Fraternally, Patsy Koslovsky District Two Youth Counselor —SPJST—
District Five Youth Spring Meeting Sunday, March 19 Lodge 88, Houston
Dear District Five Youth, Our spring meeting will be Sunday, March 19, 2017, at Lodge 88, Houston and hosted by Lodge 142, Houston. Lodge 142, Houston will provide lunch consisting of barbecue chicken, potato salad, and beans with dessert and drinks. It is a freewill donation for your meal. We will recognize fraternalists of the year and life insurance sales agents and elect officers. The youth will participate in a decorated rock contest. Registration is from 10:30 a.m. until 12 noon.
What is the decorated rock contest? The decorated rock contest is sponsored by SPJST to encourage youth members to be creative and express their artistic talents. Youth must be present to enter and win. SPJST members entering kindergarten to high school senior are eligible. Youth will decorate a rock that must fit in the palm of a hand. You may decorate the rock however you like. You are to bring your completed rock to the spring meeting. Use your imagination! The rocks will be judged on creative ability, skill and design, appearance and neatness. I hope to see you there! Fraternally, Michelle Wockenfuss, Assistant District Youth Counselor —SPJST—
There will be games and activities along with an Easter egg hunt so be sure to bring your baskets! We look forward to seeing everyone soon! Fraternally, Lian Pruski District Seven Youth Counselor —SPJST—
Lodge 29, Taylor Youth Club bakes, delivers cookies to S.P.J.S.T. Senior Living
Valentine Cookies On February 5, 2017, my youth club baked valentine cookies for S.P.J.S.T. Senior Living Center residents. We made 24 dozen cookies for 90 people. We then put the cookies into goodie bags and delivered them. It made me feel happy to do this. Hailey Girod, age 11 •••
24 Dozen We made cookies for S.P.J.S.T. Senior Living Center. We made 24 dozen cookies for them. Cody Voigt, age 8 •••
Wednesday, March 8, 2017
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Baking Cookies Today, we are going to bake cookies and take them to the S.P.J.S.T. Senior Living Center for Valentine’s Day. Hunter Cheyenne Voigt, age 8
••• S.P.J.S.T. Senior Living On February 5, 2017, my youth club baked cookies for the S.P.J.S.T. Senior Living residents. We made 24 dozen! Then, we handed them out to the people. Emily Sumner, age 10 •••
Dad’s Birthday We made cookies for the S.P.J.S.T. Senior Living Center. We made 24 dozen cookies. I like to go to the SPJST. Today is my dad’s birthday. Colten Voigt, age 10 •••
Hot Dogs At our February meeting, my youth club baked cookies for Valentine’s Day. We are delivering them to the S.P.J.S.T. Senior Living residents. While our cookies were cooling down, we had hot dogs. Bailey Sumner, age 12 •••
Lodge 48, Beyersville Youth, Adults Lend a Helping Hand
District Seven Youth Spring Meeting Sunday, March 19 in Corpus Christi
Dear Readers, The District Seven Spring Meeting will be Sunday, March 19, 2017, and hosted by Lodge 79, Corpus Christi at Sokol Hall, located at 5502 Kostoryz Road in Corpus Christi. We will have a decorated rock contest for all the youth to participate in. Registration is from 10 to 10:30 a.m. The rock can be no bigger than the palm of your hand, but it can be decorated however you would like. A brisket and sausage plate will be served for lunch at a cost of $3 per plate.
On Saturday, February 11, 2017, Lodge 48, Beyersville Youth Club and adult members went to Shepherds Heart Food Pantry to help out the community of Taylor. —Submitted by Brooke Newsom
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Sugar Cookies . . . Chocolate Chip Cookies I had fun baking cookies for the S.P.J.S.T. Senior Living Center residents. My youth club made sugar cookies and chocolate chip cookies. In total, we made 24 dozen cookies and packaged them into goodie bags for 90 people. Afterwards, we handed them out to the residents. Brandon Girod, age 14 •••
February Meeting At our February meeting, we made cookies and delivered them to the S.P.J.S.T. Senior Living facility in Taylor. We made cookies, and we had our meeting. We then delivered the cookies. I am so excited! Kylee Halbrook, age 12 —SPJST—
Decorated Rock Contest
What is it? The Decorated Rock Contest is sponsored by SPJST to encourage youth members to be creative and express their artistic talents. The contest is held at the district spring meeting. Youth must be present to enter and win.
Judging Rocks will be judged according to the following criteria: Creative Ability Skill and Design Appearance and Neatness
Awards All SPJST Rock Decorating Contest participants will receive a participation award, and youth club members will receive five merit points in the Merit Point System. The first place winning rocks from each district will be featured in a display case in the SPJST Home Office lobby through the end of the youth year.
The first place winning rocks from each district will also be judged on the state level. State Level Age Category Prizes Ages Entering Kindergarten to 8 Years $25 Gift Card Ages 9 to 11 Years $25 Gift Card
Ages 12 to 14 Years $25 Gift Card
Ages 15 Years to High School Senior $25 Gift Card —SPJST—
Who Can Enter? SPJST members entering kindergarten to high school senior.
The Rules Contestants will decorate a rock that must fit in the palm of a hand for the contest. You may decorate the rock however you like. Use your imagination!
Lodge 185 New Braunfels youth rings church bell
Dear Readers, After today’s Ash Wednesday service, I got to ring the bell! It was fun! Skeet Kitchen —SPJST—
Lodge 185 New Braunfels Youth: Bluebonnet Time
Dear Readers, Have you seen any bluebonnets yet? All the trees are in bloom, and the bluebonnets are starting to bloom. It is so pretty. Rileigh Kitchen —SPJST—
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In Memory of Dickie Durham
C.R. “Dickie” Durham, 88, a retired railroad switchman, passed away Saturday, December 17, 2016. Funeral service was at 11:30 a.m. Thursday, December 22 at Mount Olivet Chapel. A reception and celebration of life followed the funeral at SPJST Lodge 92, Fort Worth National Hall. Interment was at Mount Olivet Cemetery. Visitation was from 6 to 8 p.m. Wednesday, Dickie Durham December 21 at Mount Olivet. Dickie was born October 21, 1928, at All Saints Hospital in Fort Worth. He had the distinction of being Fort Worth’s first C-section delivery. He was an alumni of Paschal High School and Texas Christian University. He met the love of his life, Martha, on a blind date which led to a 54-year marriage with a big family of five children and many fun, loving memories. Dickie was an entrepreneur owning several businesses, as well as working his day job as a switchman for Rock Island Railroad. Besides his love of family and holiday traditions, he is remembered for his good times at the lake and TCU tailgate parties with family and friends. He was an avid football fan of TCU and the Dallas Cowboys, a skilled fisherman and hunter, but his proudest moments were watching and participating in his kids’, grandkids’, and great-grandkids’ daily activities. Dickie considered himself the luckiest man in the world to have spent the last 10 years of his life with his junior high sweetheart, Joy James. Dickie was a member of SPJST Lodge 92, Fort Worth. Dickie was preceded in death by his beloved wife, Martha Hubenak Durham; son Danny Durham; daughter Phyllis Durham; parents Mary Gilbert Kelly and Charles Durham; sister Charlene Harrison; and niece Cheryl Kelley and her grandson Gordon Lindley. Survivors are daughter Pam Durham of Fort Worth; sons Jon Durham and Charlie Durham of North Richland Hills; grandchildren Paxton Davies, Lauren Durham, Jackson Durham, Katherine Durham, and Caroline Durham; greatgrandchildren Ariana and Adlar Davies; nieces Darlyne Petty and Janie Ellis;
great-nieces Laura Beagle and Amy Vandagriff; and great-nephews Gregg Petty, Daren Petty and Scott Ellis. —SPJST—
In Memory of Elo Junek, Sr.
Elo John Junek, Sr., 91, of Snook, Texas, went to his heavenly home on Wednesday, February 15, 2017. Visitation was Friday, February 17 from 6 to 8 p.m. at Strickland Funeral Home in Somerville. Service was held Saturday, February 18 at 2 p.m. at Hope Evangelical Free Church of College Station with interment following at Snook Cemetery. Elo Junek was a wonderful husband, father, grandfather, and friend. He married the love of his life, Lynn Thomas Junek on December 26, 1948. The couple had four children together. He enElo Junek, Sr. joyed being around people and socializing. He could be found most times at Sodolaks having coffee with the boys or in his garden. He was a member of Hope Evangelical Free Church; American Legion; SPJST Lodge 9, Snook; Lee Scott Masonic Lodge; Scottish Rites; and Order of the Eastern Star. He was preceded in death by parents John Adam Junek and Hermania Orsak; son Elo John Junek, Jr.; sister Doris Matcek; and brother Johnnie Junek. He is survived by wife Lynn Junek; son Terry Lynn Junek and wife Patricia; daughters Beverly Derkowski and husband Larry and Linda Baumann and husband Jack; brothers Clarence Junek and wife Dallia and Frank Junek and wife Mildred; 15 grandchildren; 22 greatgrandchildren; two great-great grandchildren; and numerous nieces, nephews, cousins, and other relatives. Pallbearers were Lew Derkowski, Tony Derkowski, Justin Derkowski, Shannon Junek, Kody Junek, Jack Baumann, Jr., Elo John Junek, III, and Joel Rogers. Honorary Pallbearers were brothers of the Lee Scott Masonic Lodge and his buddies at the Snook coffee shop aka Sodolaks. Memorials may be made to Hospice Brazos Valley or Hope Evangelical Free Church. —SPJST—
Podpora
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BENEVOLENCE
ROČNÍK 105 CISLO 10
Ben Frank Trčálek, zasloužilý pracovník nadace a krajanské veřejnosti odešel Jan Vaculík, dopisovatel CEFT
Ben Frank Trčálek se narodil dne 13. února 1946 v Bryan, Tx. manželům Benovi F. a Marthě (Hovorák) Trčálkovým. Byl pokřtěn v kostele v Cooks Point, Tx. v raném věku and konfirmován v bratrském kostele v Calwell,Tx. v roce 1959. Maturoval na střední škole v Caldwell, Tx. v roce 1964. Ben Frank Trčálek Ben byl aktivním fotbalistou po čtyři roky, byl dobrým studentem, president studentů v roce 1963-64 a získal Lone Star farmářskou kvalifikaci v FFA. Pak studoval na Texaské křesťanské universitě v letech 1964-69 pomocí fotbalového stipendia. Promoval v roce 1969 s bakalářskou hodností v tělesné výchově a biologii. Jeden semetr byl na seznamu vynikajících studentů a byl členem Sigma Chi studentské orga nisace. Po krátou dobu učil v J. P. Elder střední škole ve Ft. Worth, Tx.,. pak strávil 14 let vyučováním a tréningem ve Spring Branch střední škole v Houston, Tx. Jeden rok pracoval ve Westchester střední škole jak hlavní fotbalový trenér. Ben měl rád sporty, rád navštěvoval fotbalové zápasy na Texaské A and M universitě, díval se na košíkovou, měl od roku 1984 lístek na všechny zápasy. Rád luštil křížovky, rád cestoval anebo jenom se projížděl po pastvinách a díval se na dobytek a pole.Vážil si návštěvy jiných lidí a pomáhal, kde mohl, zvláště těm, kteří pomoc potřebovali. Přestěhoval se do Cooks Point v březnu 1984 a začal práci jako rančer, obchodník, investor a vedoucí obce.
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Lidskost
Česká
HUMANITY
Bratrství Wednesday, March 8, 2017
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Část
Slovanská Podporující Jednota Státu Texas
Uředni orgán SPJST ★ Založené roku 1897
Vlastnil a poskytoval služby se svými rodiči na Rocking T Ranch kolem Cooks Points. Byl zakládajícím členem Peoples národní banky, byl dlouholetým členem a podporovatelem Bratrského kostela v Caldwell,Tx., kde sloužil ve sborovém výboru starších a několikrát v různých výborech. Byl také členem výboru a presidentem Cooks Point komunálních služeb, byl členem stavebního výboru, když se původní stavba střediska pořídila a pak byl presidentem výboru, když se středisko rozšířilo o severní část budovy. Byl členem výboru Burleson okresu pro hovězí dobytek a podporovatel Burleson okresní výstavy a výprodeje po mnoho let. Byl členem New Tábor řádu Slovanské podporující jednoty státu Texasu číslo 17 po více než 60 let, kde sloužil jako tajemník, později jako president a vicepresident. Byl také náhradní direktor 1. okrsku od 2004 do dneška. Byl také členem Sboru ředitelů a finanční tajemník České vzdělávací nadace státu Texasu. Byl zakládajícím členem nově organisované nadace a organisoval založení katedry českého jazyka, literatury a kultury na Texaské universitě v Austinu, Tx. a Hlavinkova stipendia na Texaské A and M universitě v College Station, Tx. a založení katedry české hudby na Severotexaské universitě v Dentonu, Tx. Ben byl členem výboru Burleson okresního farmářského úřadu třikrát a celoživotní členem Sigma Chi společnosti, celoživotní člen Houstonských výstav hovězího dobytka a rodea, členem Společnosti českého dědictví v Burleson okrese, podporoval a byl členem 12. člena nadace a Žabího klubu Texaské křesťanské university. Byl významným podporovatelem křesťanské university a věnoval dosti peněz na úpravu areálu prostřednictvím Žabího klubu, hospodaření na ranči, katedry vzdělání a organisace býva lých studentů. Zemřel nečekaně dne 11. února 2017. Bena na věčnost předešli jeho rodiče Ben a Martha Trčálkovi, stařečci B. K. a Anna F. (Vávra) Trčálkovi, Joe F. a Albína H. (Lukša) Hovorákovi, dvě tety Esther Trčálek Závodný a manžel
George, Lottie Hovorák Drgáč a manžel Frank, dva strýci Willie Trčálek, Raymond Hovorák a manželka Doris a bratranec Randal Ray Hovorák. Zanechává na tomto světě tetičku Gladys Trčálek Hejl, mnoho bratranců a sestřenic, rodinu a přátel, kterým bude hodně chybět. Aktivní nosiči rakve byli David Bormann, Carl Homeyer, Joe W. Hovorák, George Závodný, Jr., Donnie Suehs, L.J. Schigut, Alvin Bormann Jr. Čestní nosiči rakve byi Sal Zaccagnino, Victor Pineda, David Armtrong, Pete Scarmardo, Dr. Chuck Majors, Raymond Loehr, Justin Robertson a José Muňoz. Místo květin a jiných výdajů na pohřeb pošlete vaše dary a příspěvky na adresu Caldwell Brethren Church, 401 S. Main Str., Caldwell, TX. 77836, New Tábor SPJST Lodge 17, do rukou Betty Suehs, 801 Dilliard Str., Caldwell, TX. 77836 anebo Caldwell FFA Booster Club do rukou Susan Škrabánek, 2657 FM 166, Caldwell, TX. 77836
Vzpomínám na Bena Jr. jako dobrého člověka jenom ze schůzí naší nadace a pamatuji, že v úřadě pokladníka byl již jeho otec Ben Sr. po mnoho roků po reorganisaci nadace a po jeho smrti převzal úřad tajemníka Ben Jr. Hodnota takového člověka je v tom, že sice nenadělá hodně rámusu při schůzích, necpe se neustále do popředí, ale když bylo potřeba, tak promluvil k věci odpovědně a s patřičným porozumě ním pro řešení problému. Takového člověka si cení každá organisace, protože v rozhodujících chvílích promluví a us-
Texas Czech Genealogical Society Website: txczgs.org
Promoting the study of the genealogy of the particular group of people known as “Texas Czechs.”
For membership: Merlene Bravenec 254-778-7285
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BROTHERHOOD
8.březen.2017
měrní vývoj nadace dopředu. Není pochyb o tom, že podobně chápali Bena i lidé v rúz ných výborech a organisacích, kterých byl členem a Ben tam jistě udělal kus poctivé práce. Pro naši nadaci je odchod na věčnost takového člena rovněž značnou ztrátou a bude chybět při každé schůzi a při hledání řešení problémů. Z toho důvodu je nutno zachovat jeho osobu ve věčné paměti a následovat příkladu, který nám ukázal svou činností pro krajanskou a texaskou veřejnost. Odpočívej v pokoji. —SPJST—
Czech Calendar
Each Wednesday Taylor Czech Speaking Class meets every Wednesday from 6 to 8 p.m. at S.P.J.S.T. Assisted Living, 505 East Lake Drive in Taylor, Texas. This is an informal class setting for learning to speak, write, and read Czech. For information, contact instructor Lydia Kurtin 512-859-2543. Submitted by Alice Bracewell, Lodge 48, Beyersville.
Second Sundays Czech Language Class—at Texas Czech Heritage and Cultural Center, 250 West Fairgrounds Road on US Highway 77, La Grange, 1 to 4 p.m. Fee is $10 per person per class. Call or email to verify classes. Pre-registration preferred. For information, call 888-785-4500; 979-968-9399; or email info@czechtexas.org.
First/Third Tuesdays Tarok Lessons with Tarok Champion Jimmie Coufal—at Czech Heritage Museum, 119 West French Avenue, Temple, 7 p.m.: All skill levels; beginners always welcome! Free and open to everyone. For information, call 254-899-2935; or email czechheritagemuseum@gmail.com. —SPJST—
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COURT CUBA EXTRACO BANK BUiLDiNG 18 S. MAiN, SUiTE 802, TEMPLE, TEXAS 76501
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Wednesday, March 8, 2017
SPJST Fraternal Activities and Entertainment
Post your lodge’s upcoming SPJST fraternal activities and entertainment dates and information here. These listings are free. The deadline for submitting information for the Fraternal Activities and Entertainment Guide is Wednesday at 5 p.m., unless otherwise posted. Send updates directly to: VESTNIK, c/o Editor Melanie Zavodny, P.O. Box 100, Temple, Texas 76503. FAX to: 254-773-8087. Email to: vestnik@spjst.org. Advertising rates are $2 per column inch for lodge ads; $4 per column inch for nonprofit organization ads; and $6 per column inch for commercial ads. For advertising information, please call the Editor at 800-727-7578 or email vestnik@spjst.org. LODGE 1, FAYETTEVILLE (1) Lodge Hall: 507 East Main Street, Fayetteville. Directions: Directions: Lodge building is located on Hwy 159 East, 3 blocks from the town square. Hall Rental Information: (979) 966-3795. Lodge Meetings: First Monday of even-numbered months - February, April, June, August, October, and December, 6 p.m. at the hall. Potluck served after meeting. Youth Club Meetings: First Monday of each month, 6:30 p.m. at the hall. For information, contact Youth Leader Ronnie Pflughaupt 979-249-6702; or email rpflughaupt@hotmail.com.
LODGE 15, BUCKHOLTS (2) Lodge Hall: 600 State Hwy 36, Buckholts. Directions: Hall is located on Hwy 36, east of Buckholts. Hall Rental Information: 254-593-2222. Lodge Meetings: Second Monday of each month, 4 p.m. at the hall. Refreshments served after meeting, and door prizes awarded.
LODGE 5, PILOT POINT-TIOGA (3) Lodge Meetings: First Saturday of each month, 2 p.m. at PointBank Community Center, 739 East Liberty Street, Pilot Point. For directions/meeting information, contact Brian Heitzman 940-686-4429; or Dean Carender 903-564-7359.
LODGE 18, ELGIN (2) Sunday, March 12—Fritz Hodde and the Fabulous Six, polka/waltz. 3 to 7 p.m. $8 per person Sunday, March 19—The Old Friends - 2 former Debonaires, country/western. 3 to 7 p.m. $8 per person Sunday, April 2—Red Ravens, polka/waltz. 3 to 7 p.m. $8 per person Sunday, April 23—Glen Collins Band, country/western. 3 to 7 p.m. $8 per person
LODGE 4, HALLETTSVILLE (6) Lodge Meetings: quarterly meetings are at 3 p.m. at Hallettsville Chamber of Commerce, 1614 North Texana Street, Hallettsville. Watch for dates posted in the Vestnik.
LODGE 6, COTTONWOOD (3) Sunday, March 12—Appreciation lunch, 12:30 p.m. at the hall: Fried chicken and barbecue will be served Friday, March 17—Social Sunday, April 2—Lodge meeting, 2 p.m.; SPJST 6, inc. meeting; Easter party Friday, April 21—Trustee meeting Sunday, April 23—District Three Spring Meeting at Lodge 6
Note: The bridge on the road to the hall is out, but good news! There is a detour to the hall. Directions: Take Farm Road 2114 East for 5 miles. Turn right on Adair Road and immediately veer right onto Marek Road. Marek Road runs into Czech Hall Road. Turn right onto Czech Hall Road. The hall is on the left about 1/2 mile.
Lodge Hall: 700 South Czech Hall Road, West. Note: The bridge on the road to the hall is out; but there is a detour to the hall. Directions: Take Farm Road 2114 East for 5 miles. Turn right on Adair Road and immediately veer right onto Marek Road. Marek Road runs into Czech Hall Road. Turn right onto Czech Hall Road. Hall on the left about 1/2 mile down. Hall Rental Information: 254-799-8550; Hall Phone: 254-227-8759. Lodge Meetings: First Sunday of each month, 2 p.m. at the hall. Youth Club Meetings: First Sunday of each month, 1:30 p.m. at the hall. For information, contact Youth Leader Peggy Dobecka 254-799-8550; or dataped@sbcglobal.net
LODGE 8, WEIMAR (6) Lodge Meetings: Fourth Monday of February, April, June, August, October, and November, 6 p.m. at Oakridge Smokehouse Restaurant, Schulenburg.
Monday, April 24—Lodge meeting at Oakridge Smokehouse Restaurant, Schulenburg, 6 p.m.
LODGE 9, SNOOK (1) Lodge Hall: 457 CR 269, Snook. Directions: From Snook, turn on FM 2155 to downtown. At Snook School, stay right on Spur 2155. At “T”, turn right on CR 269. Go 3/10 mile; hall is on the left. Hall Rental Information: 979-272-3732. Lodge Meetings: First Wednesday of each month, 7 p.m. at the hall. Youth Club Meetings: First Wednesday of each month, 6:30 p.m. at the hall.
LODGE 13, DIME BOX (1) Lodge Hall: 1081 County Road 425, Dime Box. Directions: in Dime Box, turn left from FM 141 on CR 424. Go east on CR 425 for 3/10 mile; hall is on the left. Hall Rental Information: 979-884-1451; Hall Phone: 979-884-1451. Lodge Meetings: Second Thursday of each month, 7 p.m. at the hall.
LODGE 17, NEW TABOR (1) Lodge Hall: 2674 CR 225, Caldwell. Directions: From Caldwell, turn from Hwy 36 east onto FM 166. Proceed 2.1 miles; turn left on CR 225. Go 1 mile, veering to the right. Lodge building is on the right. Hall Rental Information: 979-272-3440. Lodge Meetings: First Sunday of each month, 2 p.m. at the hall. Youth Club Meetings: First Sunday of each month, 3 p.m. at the hall.
Lodge Hall: 702 Hwy 95 North, Elgin. Lodge 18 is a non-smoking facility. Hall Rentals/Band Bookings: David Meyer 512-217-0162. Hall phone: 512-2853100. Lodge Meetings: Third Tuesday of each month, 7 p.m. at the hall. Lodge Meetings: Youth club meetings are held with the adult meetings, which are the third Tuesday of each month, 7 p.m. at the hall. For information, call Youth Leader David Meyer 512-217-0162.
LODGE 20, GRANGER (2) Lodge Hall: 114 West Davila, Granger. Hall Rental Information: Brenna Bohac 512-859-2584. Lodge Meetings: Second Monday of each month at 6:30 p.m. at the hall. A light meal is served before each meeting. All members are invited. Youth Club Meetings: Second Sunday of each month, 1:30 p.m. at the hall.
LODGE 23, MORAVIA (6) Lodge Hall: FM 957 North, Schulenburg. Located 12 miles south of Schulenburg, in Moravia. Directions: From Hwy 77 between Hallettsville and Schulenburg, take FM 532 West for 4 miles to Moravia. Turn right on FM 957 North; go 1 mile. Hall is on the right. Lodge Meetings: Tuesday after the second Sunday in March, June, and September, 7:30 p.m.; and the first Sunday of December, 3 p.m. at the hall. LODGE 24, CYCLONE (2) Saturday, April 8—Troy Athletic Boosters Saturday, April 22—Wedding
Lodge Hall: 411 FM 964, Burlington. Directions: Hall is 12 miles east of Temple, past Zabcikville. Exit Hwy 53 at blinking light to FM 485; go 1 mile to FM 964. Hall Rental Information: Mark or Brenda Maddux 254-985-0002; Hall phone: 254-985-2393. Lodge Meetings: Second Monday of each month, 7 p.m. at the hall. Youth Club Meetings: Second Sunday of each month, 2 p.m. at the hall.
LODGE 25, ENNIS (3) Saturday, March 25—RVOS No. 51 and RVOS No. 147 party
Lodge Hall: 1901 East Hwy 34, Ennis. Directions: From iH-35 East at Waxahachie, take Hwy 287 East exit. Stay on Hwy 287 East until you come to Ennis. Go straight through downtown Ennis and go under the overpass at interstate 45. Go approx. 3/4 mile on
Hwy 34. Hall is on the right. Hall Rental Information: 972-875-8381; Hall Phone: 972-875-8381. Lodge Meetings: Second Thursday of each month, 7 p.m. at the hall. Youth Club Meetings: First Sunday of each month, 1:30 p.m. at the hall. Game Room: Open every Wednesday, 5:30 p.m.
LODGE 28, EAST BERNARD (6) Lodge Meetings: Second Sunday of each month unless otherwise noted in the Vestnik - at 12 noon at Wharton County Library - East Bernard Branch, 746 Clubside Drive, East Bernard. For information, contact Secretary Helen Kelner 281-342-2624.
LODGE 29, TAYLOR (2) Note: During Lent, SPJST Lodge 29, Taylor has re-scheduled its April meeting, which will be held at the lodge hall on Thursday, April 13, 6:30 p.m., followed by a covered dish meal. • All Friday night dances - Free admission • Old-fashioned hamburgers, grilled cheese sandwiches served Fridays, 6 to 9 p.m. • Fish burgers available on Fridays during Lent: Friday, March 3 to Friday, April 14
Thursday, March 9—SPJST Lodge 29, Taylor monthly meeting, 6:30 p.m.; followed by a covered dish meal. Friday, March 10—Glen Collins, 7:30 to 11:30 p.m. Sunday, March 12—SPJST Lodge 29, Taylor Youth Club will hold its monthly meeting, 1 p.m. at Taylor SPJST Hall. Any youth entering kindergarten through high school senior is eligible to attend. For information, contact Youth Leader Cristy Girod 512-468-1347. Wednesday, March 15—Taylor Made Band, 7 to 10 p.m. Guest musician - Fritz Hodde. Friday, March 17—Old Friends, 7:30 to 11:30 p.m. Friday, March 24—Edward Kopecky’s Czech Band, 7:30 to 11:30 p.m. Friday, March 31—Second Hand Rose, 7:30 to 11:30 p.m.
Lodge Hall: 5025 FM 619, Taylor. Directions: in Taylor, at intersection of State Hwy 95 and US 79 Business (4th Street), turn east on Hwy 79. Proceed to FM 619, turn north (left) and go about .8 mile to the large, two-story hall. Hall Rental Information: 512352-9139; Hall Phone: 512-352-9139. Lodge Meetings: Second Wednesday of each month, 6:30 p.m. at the hall. Youth Club Meetings: First Sunday of each month, 1 p.m. For information, call Youth Leader Cristy Girod 512-468-1347. Music: First and third Wednesday each month, live music, 7 to 10 p.m.; Friday night dance, 7:30 to 11:30 p.m.
LODGE 30, TAITON (6) Lodge Meetings: First Sunday of each month, 1:30 p.m. at Taiton Community Center, 14221 FM 961, El Campo. Youth Club Meetings: First Sunday of each month, 2:30 p.m. at Taiton Community Center, 14221 FM 961, El Campo.
LODGE 32, VICTORIA (6) Lodge Hall: 3502 North Laurent, Victoria. Lodge Meetings: Second Thursday of each month, 6:30 p.m. at the hall. LODGE 35, ELK (3) Saturday, March 11—The Huser Brothers Saturday, March 18—Lost Heart Hwy Saturday, April 8—Nolan Pick Band Saturday, April 29—Midnight Mustangs
Lodge Hall: 9508 Elk Road, Axtell. Directions: From interstate 35 in Waco, take Hwy 84 East exit. Stay on Hwy 84 East through Bellmead; go approximately 8 miles. On the right side of Hwy 84 will be a sign saying “Elk.” Take the Elk Road. Turn right on Elk Road; go approximately 1 mile; the road will dead end. Turn right at the dead end; go approximately 1/2 mile. Hall is on the left. Hall Rental Information: Gene Pavelka 254749-3326; Hall Phone: 254-863-9320. Lodge Meetings: Second Wednesday of each month, 7:30 p.m. at the hall. Sales Agents: James (Dude) Mann 254715-0275 and Gene E. Pavelka 254-749-3326.
LODGE 38, KOVAR (1) Lodge Hall: 278 Zimmerhanzel Road, Flatonia. Directions????? Hall Rental Information: 512-2379099/day; 830-839-4353/night. Lodge Meetings: Second Monday of each month, 7 p.m. at the hall.
LODGE 39, BRYAN (1) Lodge Hall: Cherry Bend Circle, Lot 12, Bryan. Directions: From Hwy 6, turn west on OSR. Go 2 miles to Mumford Road; turn left. Go 1.1 mile and turn left on Magnolia. Take the first right turn on Cherry Bend Circle. Hall (white building) is at the bend of the road. Lodge Meetings: Second Sunday of each month, 1 p.m. at the hall. Lunch at 12:30 p.m. Meat, drinks, and serving items provided by the lodge. Please bring a dessert or side dish. For information, call President Wade O’Shields 979-218-3527; or FAC Ronnie Roesler 979-406-0158.
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LODGE 40, EL CAMPO-HILLJE (6) Lodge Hall: 30420 Loop 524 US Hwy 59, Hillje. Directions: Hall is just off US 59 in Hillje. Hall Rental Information: Cathy Garcia 979-332-1614; Hall Phone: 979-648-2317. Lodge Meetings: Second Sunday of each month, 1 p.m. at the hall. Youth Club Meetings: Second Sunday of each month, 11:30 a.m. at the hall.
LODGE 41, PORT LAVACA (6) Lodge Meetings: Second Tuesday of February, May, August, and November at 6 p.m. at Six Mile Presbyterian Church, Royal Road, Port Lavaca. For information, call lodge Secretary Mary Sitka 361-552-5170; or email danmarysitka@yahoo.com.
LODGE 47, SEATON (2) Lodge Hall: 10842 State Hwy 53, Temple. Directions: Seaton Star Hall is 7 miles east of Temple on Hwy 53 (Adams Avenue). Star Hall is a non-smoking facility. Hall Rental Information: Michelle Porubsky 254-493-8020; Hall Phone: 254-985-2548. Lodge Meetings: First Sunday of each month, 2 p.m. at the hall. Youth Club Meetings: First Sunday of each month, 1 p.m. at the hall. Visit www.seatonstarhall.com.
LODGE 48, BEYERSVILLE (2) Lodge Hall: 10450 FM 619, Taylor. Directions: From Taylor, take the South Loop. Turn right on FM 112 and go about 0.8 mile. Turn right on FM 619; continue on FM 619 for approximately 4 miles. Hall is on the right. Hall Rental Information: 512-739-9324. Lodge Meetings: Second Sunday of each month, 5:30 p.m. at the hall except the June meeting, which will be Monday, June 12, 6:30 p.m., and the August meeting, which will be Monday, August 14, 6:30 p.m. Youth Club Meetings: Second Sunday of each month, 5:30 p.m. at the hall.
LODGE 49, ROWENA (4) Lodge Hall: 706 FM 2133, Rowena. Hall Rental Information: 325-262-3377 - Butch Wood. Lodge Meetings: First Wednesday of February, May, August, and November, 7 p.m. at the hall. Youth Club Meetings: First Sunday of each month at 1 p.m. at the hall.
LODGE 51, ELLINGER (1) Lodge Meetings: Third Friday of March, June, September, and December, 6:30 p.m. at Ellinger Fire Department, West Main Street in Ellinger.
LODGE 54, WEST (3) Lodge Meetings: First Friday in March, June, and November, and the second Friday in September, 7 p.m. at St. Joseph Hall, 303 South Harrison Street in West.
LODGE 63, SWEET HOME (6) Lodge Meetings: Third Thursday of the month, 7 p.m. For meeting location, call lodge secretary 361594-8429.
LODGE 66, WACO (3) Lodge Meetings: Date, time, location to be announced in the lodge’s monthly meeting minutes that appear in the Věstník. For information, call 254-7994247.
LODGE 67, SCHULENBURG (1) Lodge Meetings: Third or fourth Sunday of March, June, September, and December (Christmas) at Frank’s Restaurant in Schulenburg, 2 p.m. To confirm meeting date/s, call Ernest Kutac 979-561-7190.
LODGE 73, SEYMOUR (4) Lodge Meetings: First Sunday of each month, 12 p.m. - unless otherwise noted. For meeting location, call Alice Orsak 940-889-2391.
LODGE 76, WICHITA FALLS (4) Lodge Meetings: First Sunday in March and June at 1 p.m. at Luby’s Cafeteria, 1801 Ninth Street in Wichita Falls; second Sunday in September and December at 1 p.m. at Luby’s Cafeteria, 1801 Ninth Street in Wichita Falls.
LODGE 79, CORPUS CHRISTI (7) Lodge Meetings: Third Sunday of each month, 1 p.m. at the Sokol Hall, 5502 Kostoryz Road, Corpus Christi. Meal served at 1 p.m.; meeting follows. Visitors welcome. Hall Phone: 361-854-8423. Youth Club Meetings: Third Sunday of each month, 2 p.m. at Sokol Hall, 5502 Kostoryz Road, Corpus Christi.
LODGE 80, HOLLAND (2) Lodge Hall: 12141 East FM 2268, Holland. Directions: On Hwy 95, south of Holland, turn east onto FM 2268; go 1/2 mile to hall, which is on the right. Hall Phone: 254-657-2485. Lodge Meetings: First Saturday of each month, 4 p.m. at the hall. Youth Club Meetings: Second Wednesday of each month at 6 p.m. at Youth Leader Connie Horak’s home; call 254-541-9165 for address. Board of Directors’ Meetings: First Saturday of each month, 3:30 p.m. Permit No. Bingo: Every Thursday, 7 p.m. SP12371416574; AL17460607355.
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LODGE 81, NEEDVILLE (5) Lodge Hall: 13609 Hwy 36, Needville. Directions: Lodge building is located at the corner of Hwy 36 and FM 361. Hall Manager/Bookings: Dan Natho. Hall Phone: 361-793-4742. Lodge Meetings: Third Sunday of each month, 1 p.m. at the hall. Youth Club Meetings: Contact Youth Leader Jaime Mikulec 832344-6222; or mikulecj@needvilleisd.com
LODGE 84, DALLAS (3) Lodge Hall: 2625 Floyd Street, Dallas 75204. From iH-35 East in Dallas, take iH-20 East. From iH-20 East, take iH-45 exit toward downtown Dallas. iH-45 runs into Hwy 75. From Hwy 75, turn right at the Bryan Street exit. From Bryan Street, turn right on Cantreal Street. Go on Cantreal Street until you come to Floyd Street. Turn right on Floyd Street. Hall is the second building on the right. Hall Rental Information: Contact Kelly Tucker 469-951-7396. Hall Phone: 214-823-0072. Band Bookings: Cherri Petr 214-352-4397. Lodge Meetings: Third Sunday of each month, 2 p.m. at the hall. Youth Club Meetings: Held one hour before the adult lodge meeting at the hall - unless otherwise noted. Contact Youth Leader Lynda Novak 972-9484456 LODGE 87, TEMPLE (2) Lodge Hall: 320 North 50th Street, Temple. Directions: From East Adams Avenue, turn north onto 50th Street; go 2/10 mile. Hall is on the left. Hall Rental Information: Karin Bryant 254-947-3100; or Judith Little 254-913-8568. Lodge Meetings: Third Tuesday of each month, 7 p.m. at the hall. LODGE 88, HOUSTON (5) Saturday, March 11—Red Ravens, polka/variety. $10 Saturday, March 18—Moonglow Orchestra, big band. *Dress Code. $15 Friday, March 31—Jeff Woolsey and Dance Hall Kings, country/western. $15
Lodge Hall: 1435 Beall Street at West 15th, Houston (the Heights). Directions: Hwy 290—Take Mangum Dacoma exit; stay on frontage road. At third traffic light, turn left onto 18th Street. Go under freeway at third traffic light, turn on Beall Street. Hall Rental Information: Hall: 713-869-5767; or visit www.lodge88.org. Lodge Meetings: Third Monday, 7 p.m. at the hall. Youth Club Meetings: First Sunday of each month, 2 p.m. at the hall. Bingo: Every Thursday evening; early bird special starts at 7 p.m. Regular games start at 7:30 p.m. License No. 17407503501. All dances are held from 8 to 11:30 p.m., unless otherwise noted. Reservations suggested, but not required, unless otherwise noted. Reservations held only 30 minutes past start of dance. For reservations, call 713-869-5767, Monday through Friday, 9 a.m. to 3 p.m. Beer, set-ups, soda, and ice sold at bar. Please do not bring from outside. *Dress Code dances: evening attire for ladies and gentlemen. LODGE 91, SAN JACINTO (5) Lodge Meetings: quarterly meetings - TBA in the Věstník. Contact Secretary Vonda Smesny 713-8707114. LODGE 92, FORT WORTH (3) Friday, March 10—Tanglefoot Ballroom Dance, 8 to 11 p.m. $10 members; $17 non-members Sunday, March 12—Lodge 92 monthly meeting, 2 p.m. Tuesday, March 14—Ladies Circle, 10:30 a.m. Tuesday, March 14—Game night at Lodge 92, 7 p.m. Tuesday, March 28—Game night at Lodge 92, 7 p.m.
Lodge Hall: 3316 Roberts Cutoff Road, Fort Worth 76114. Directions: From iH-35 West in Fort Worth, take iH-30 West to the Henderson exit. Take Henderson North; it becomes Jacksboro Hwy (TX 199). Stay on this road north until Roberts Cutoff, which is a right off of Jacksboro Hwy. Hall - also known as National Hall - is on the right about two or three blocks down the road. Great Western inn Motel is on the corner. Hall Event/Rental Information: Call National Hall Events Manager Jon Durham 817-624-1361. Visit Lodge 92 website www.nationalhallfort-worth.com. Lodge Meetings: Second Sunday of each month, 2 p.m. at the hall. Youth Club Meetings: Second Sunday of each month, 2 p.m. at the hall. Game Nights: Second and fourth Tuesdays of each month. Ladies Circle: Meets the second Tuesday of each month. Randy and the 92nd Road House Band plays every first Sunday. Dressy casual.
LODGE 97, PLACEDO (6) Lodge Meetings: Second Friday in March, June, September, and December, 6 p.m. For meeting location, call President Gay Revel 361-573-4443 or 361649-4443.
LODGE 107, FLORESVILLE (7) Lodge Hall: 1156 FM 1303, Floresville. Directions: From Floresville, take FM 536 West for 3 miles to FM 1303; turn right and go 2 miles. Hall is on the right. Hall Rental Information: 830-393-7796. Lodge Meetings: Second Sunday of each month, 3 p.m. at the hall.
LODGE 117, ROBSTOWN (7) Lodge Meetings: First Saturday of March, June, September, and December, 1:30 p.m. at Hilltop Community Center, 11425 Leopard, Corpus Christi.
LODGE 130, DALLAS (3) Lodge Meetings: For monthly meeting date, time, and location, contact President/Sales Agent John Vrla 214-906-3385 or email jvrla@cebridge.net. LODGE 133, SAN ANTONIO (7) Lodge Meetings: Third Sunday of each month, 2 p.m. at Good Shepherd Lutheran Church Activity Center, 1630 Goliad Road, San Antonio.
LODGE 135, ENNIS (3) Lodge Meetings: Third Thursday of January, April, July, and October, 7 p.m. at Sokol hall, 2622 East Hwy 34, Ennis.
LODGE 139, DANBURY (5) Lodge Meetings: Second Tuesday of each month at 11 a.m. at The Smith Group Building, 1718 Main Street, Danbury. For information, call 979-922-1279; or 979-922-1553.
LODGE 141, SEALY (1) Lodge Meetings: Second Tuesday of each month at 6 p.m. at Gordon Memorial Library, 917 North Circle Drive, Sealy. LODGE 142, HOUSTON (5) Lodge Meetings: Third Sunday of each month - unless otherwise noted - at 2 p.m.; meal served at 1 p.m. Meetings are held at SPJST Lodge 88, Houston, 1435 Beall Street at West 15th, Houston (the Heights) in the annex building - unless otherwise noted. For information, contact Lodge 142, Houston President Keith Kieschnick 832-627-2842; or Secretary Alice Jochen 979-743-3613. Youth Club Meetings: Same date, time, and location as adult lodge meetings. For information call, Youth Leader Catherine Manchack 832-443-0469.
LODGE 148, EL MATON (6) Lodge Meetings: Second Sunday of each month, 3 p.m. at Frank Hahn’s Camphouse in El Maton. Youth Club Meetings: Second Sunday of each month following the adult lodge meeting at Frank Hahn’s Camphouse in El Maton.
LODGE 151, WHARTON (6) Lodge Meetings: Second Monday of March, June, September, and December, 6:30 p.m. at Wharton Depot Museum, 100 South Sunset Street, Wharton. For information, call 979-532-5884.
LODGE 154, FORT WORTH (3) Lodge Hall: 6500 Boat Club Road, Fort Worth. Directions: From iH-35 West in Fort Worth, take iH-20 West exit. Stay on iH-20 West until you come to 820; stay on 820 until you come to Jacksboro Hwy and Azle Street exit. Take Azle Street exit; go to the traffic light. Turn left at the traffic light. Go to the second traffic light then turn right onto Boat Club Road. Go approx. 2 1/2 miles. Hall is on the right. Hall Rental Information/Hall Phone: 817-237-5181. Lodge Meetings: Third Sunday of each month, 3:30 p.m. at the hall. Youth Club Meetings: Third Sunday of each month, 5 p.m. at the hall.
LODGE 155, AUSTIN (2) Lodge Meetings: First Sunday of March, June, September, and December. For meeting time/location, call Secretary Ginny Prasatik 512-472-1721
LODGE 157, LUBBOCK (4) Lodge Meetings: Second Sunday of every other month, 1 p.m. For meeting location, contact Secretary Cynthia Kristinek 806-763-7245; cjkristinek@yahoo.com
LODGE 160, SAN ANGELO (4) Lodge Meetings: Second Sunday of January, April, July, and October, 12 noon at Wall Volunteer Fire Department, Wall.
LODGE 162, IOWA COLONY (5) Lodge Meetings: First Sunday of each month, 2 p.m. at iowa Colony Community Center, 12003 CR 65, iowa Colony. Youth Club Meetings: First Sunday of each month, 2 p.m. at iowa Colony Community Center, 12003 CR 65, iowa Colony
LODGE 169, BRENHAM (1) Lodge Meetings: Fourth Thursday in February, April, June, August, October, 6:30 p.m. at Texas Seafood and Steakhouse, 2209 South Market Street, Brenham. (December meeting/social information will be announced at a later date.) Lodge Information: Call Stephen Bliznak 979-251-4150; or Lenora Bliznak 979-277-8845. Insurance Information: Contact Nello Strickland 979-836-2609.
LODGE 172, PASADENA (5) Note: Lodge 172 has closed its doors, and the building has gone up for sale. Until further notice, we only open the doors for our monthly lodge meetings, held the fourth Sunday of each month, 2 p.m. For information, contact Jo 713-628-3007.
Lodge Hall: 3609 Preston Road, Pasadena. Hall Phone: 713-487-3297. Regular Lodge/Covered Dish Meetings: Fourth Sunday of each month, meal, 1 p.m. followed by meeting, 2 p.m. with the exception of November and December, as noted.
LODGE 177, ACADEMY (2) Lodge Hall: 711 Rio Poco, Little River. Directions: Hall is on the south side of Academy, just off Hwy 95, on the right. Hall Rental Information: 254-982-4530. Hall Phone: 254-982-4434. Lodge Meetings: Second Wednesday of each month at the hall: Board of Trustees meet at 5 p.m.; lodge meeting follows at 5:30 p.m. Bingo: Every Tuesday and Friday at 7 p.m. Doors open at 5:30 p.m.; kitchen is open.
LODGE 179, WARRENTON (1) Lodge Meetings: Second Thursday of each month, 7 p.m. at Carmine Lions Club Building, 201 Centennial Street, Carmine. For information, contact Melissa Wickel 979-249-7393. LODGE 180, BURLESON (3) Lodge Meetings: First Tuesday of each month at the Burleson Police Department Building - Community Room, 1161 S. W. Wilshire, Burleson, 6 p.m. For information, call 817-905-2097 or 972-268-0022.
LODGE 181, CONROE (5) Lodge Meetings: Lodge meeting location/time will be announced in the Vestnik. For further information, contact President Barbara Williams-Rash 936-2957778; email b.d.willrash@att.net; Vice President Chuck Toney 281-362-9062; email cdtiii@toney.us; or Treasurer Patsy McClelland 936-788-5714; or email pmcclelland@consolidated.
LODGE 182, FALLS COUNTY (2) Lodge Meetings: Second Sunday of each month, 3 p.m. at The Chicken Place, 504 Bridge Street, Marlin. Youth Club Meetings: Same time and place as adult lodge meeting.
LODGE 183, ARLINGTON (3) Lodge Hall: 3100 Pleasant Valley Lane, Arlington. Directions: Take iH-35 West to Fort Worth. Take iH20 East exit and proceed on iH-20 East until you come to Cooper Street exit. Take Cooper Street exit to the North and stay on Cooper Street until you come to Mayfield Street. Turn right on Mayfield; go down and turn left on Pleasant Valley Lane. Hall Rental Information: Hall Phone: 817-465-8538; 214-8769029. Lodge Meetings and Family Night: Third Sunday of each month at 4 p.m. at the hall. Youth Club Meetings: Last Friday of each month, 7 p.m. at the hall. Game Nights are every Tuesday and Thursday, 7 p.m. and every Sunday, 1:30 p.m. Permit No. 17516910506
LODGE 184, MOULTON (6) Lodge Hall: FM 532 West, Moulton. Directions: From Texas 95 in Moulton, take FM 532 West for 4 miles. Hall is located on the right. Lodge Meetings: Second Wednesday of February, May, August, and November, 7 p.m. at the hall. LODGE 185, NEW BRAUNFELS (7) Lodge Meetings: Every other month - February, April, June, August, October, and December. Call for meeting date, time, and location. Youth Club Meetings: Call Youth Leader Theresa Haag 830-625-8262 for meeting date, time, and location.
LODGE 186, CALDWELL (1) Lodge Hall: 937 State Hwy 36, Caldwell. Directions: Hall is just off Hwy 36 on the south side of Caldwell, next to Burleson County Fairgrounds. Hall Rental Information: 979-567-4264. Lodge Meetings: Second Tuesday of each month, 6:30 p.m. at the hall. Youth Club Meetings: First Sunday of each month, 2:30 p.m. at the hall. Social games: Every Monday, Wednesday, and Saturday, 7:30 p.m. Kitchen and bar open. License Permit No. 1-74-20733095-41002.
LODGE 187, ROUND ROCK (2) Lodge Hall: 920 Luther Peterson Place, Round Rock. Directions: From Taylor, take Hwy 79 into Round Rock until you get to Sunrise. There will be a 7-11 store on the right. Turn right and proceed past Hopewell School. Continue through the four-way stop. Luther Peterson Boulevard is the first street on the left. From Temple, take iH-35 South. Just past Georgetown, exit on University Boulevard. Proceed to stop sign. Take left on University Boulevard. The third street is Sunrise. Turn right onto Sunrise. The second street to the right will be Luther Peterson Boulevard. Hall Rental Information: 512-255-1554; 512-771-4948. Lodge Meetings: Second Sunday of each month, 2 to 3 p.m. at the hall followed by entertainment and potluck meal. Hall Rental Information:
Wednesday, March 8, 2017
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512-255-1554; 512-771-4948. Lodge Meetings: Second Sunday of each month, 2 to 3 p.m. at the hall followed by entertainment and potluck meal.
LODGE 189, BRYAN-COLLEGE STATION (1) Lodge Meetings: Second Sunday of March, June, September, and December, 2 p.m. at - unless otherwise noted - C and J Barbecue, 1010 South Texas Avenue in Bryan.
LODGE 191, LUFKIN (5) Lodge Hall: 197 Hughes Road, Lufkin. Hall Rental Information/Dance Reservations: George Scogin 936-875-2867. Lodge Meetings: Monday night before the third Friday night of the month, 7 p.m. at the hall. Regular Dances: Third Friday night of each month, 7 to 10 p.m. Please continue to bring finger foods for the snack table.
LODGE 196, HOUSTON-WEST (5) Lodge Hall: 17810 Huffmeister Road, Cypress. Directions: Off Hwy 290 West at Skinner. Hall Rental 281-351-1045 or email Information: spjstlodge196@gmail.com; Hall Phone: 281-3739482. Lodge Meetings: Second Sunday of each month, 1 p.m. at the hall; covered dish meal served unless otherwise noted. For information, call Secretary Deann Beckendorf 254-275-8028. Youth Club Meetings: Contact Youth Leader Cadance Wager 713-515-2835.
LODGE 200, BRUCEVILLE-EDDY (2) Lodge Meetings: First Wednesday of each month, 6:30 p.m. at Taylor Hall, 100 4th Street, Eddy. For information, contact President Allen Trigg, Sr. 254-6245152.
LODGE 201 BLEIBLERVILLE-NELSONVILLE (1) Lodge Hall: 3948 FM 2502, Bleiblerville. Directions: Hall is across the street from the post office in Bleiblerville. Lodge Meetings: Second Sunday of each month, 3 p.m. at the hall.
LODGE 202, JOURDANTON (7) Lodge Meetings: First Sunday of March, June, September, 2 p.m.; and first Sunday of December, 1 p.m. - at Jourdanton Community Center, 1101 Campbell Avenue, Jourdanton. Youth Club Meetings: First Sunday of March, June, September, 1:15 p.m.; and first Sunday of December, 1 p.m. - at Jourdanton Community Center, 1101 Campbell Avenue, Jourdanton.
LODGE 207, IOWA PARK (4) Lodge Meetings: Third Thursday of each month, 6 p.m. For meeting location, call Secretary Mary Hatter 940-322-8503 or any sales agent.
LODGE 215, SOUTH PLAINS (4) Lodge Meetings: Second Saturday of January, March, May, July, and September, 6:30 p.m. at Tahoka Housing Authority (small room - 1400 Ave K). For any questions, call Secretary Pam Lehmann 806535-8356. Youth Club Meetings: For location/time, contact Youth Leader Janeece Williams 806-9903351.
LODGE 219, EL PASO (4) Lodge Meetings: Second Wednesday of each month, 9 a.m. For meeting location, call Secretary Edna Rivas 915-727-2048.
LODGE 229, ABILENE (4) Lodge Meetings: Second Tuesday of February, May, August, and November, 6 p.m. at Rosa’s Cafe and Tortilla Factory, 1026 North Judge Ely Boulevard, Abilene. For information, contact Secretary Tammy Copeland 325-672-0577 or 325-721-5127.
LODGE 232, HOUSTON MIDTOWN (5) Lodge Meetings: Third Tuesday of each month, 6:30 p.m. at Czech Cultural Museum Houston, 4920 San Jacinto, Houston. For information, contact Secretary Catherine Anderson 713-726-1928.
LODGE 246, MORGAN’S POINT (2) Lodge Meetings: Second Tuesday of each month, 12 noon. For meeting location, call President James L. Lee, iii 254-289-6816 or Secretary Melanie Zavodny 254-534-0807.
LODGE 258, SEGUIN (7) Lodge Meetings: For meeting date, location, and time, contact President Chester Jenke 210-413-3053 or Treasurer Colleen Jenke 210-215-9494. —SPJST—
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Insuring and enriching lives.
SPJST Vision
Our vision is to provide a wholesome family environment; to encourage cherished Czech traditions; and to provide high quality, competitive life insurance for our members.